Affirm is reinventing credit to make it more honest and friendly, giving consumers the
flexibility to buy now and pay later without any hidden fees or compounding interest.The Fraud
Strategy and Analytics team is responsible for analyzing, developing and optimizing
Affirm's online fraud decisioning strategy. The team works cross-functionally with Product,
Engineering, Operations, and Finance teams to define and ensure accurate execution of the fraud
strategy to effectively prevent fraud losses.
This role requires extensive use of data analytics to derive insights and develop/update fraud
strategies, collaborating with cross-functional partners. Full stack analyst works with the
Product teams to develop new fraud features, with the engineering team to launch online
experiment to test out the performance of the new features, with the Operation team to execute
risk and resolution strategies, with the Finance team to help facilitate discussions on
portfolio performance and loss forecasting. 
Come join us in our mission to change consumer finance through better data and technology,
lower costs, and increased transparency while providing the best customer experience.
WHAT YOU’LL DO 


Proactively explore data and identify opportunities to help accelerate product development or
improve existing products in Trust and Safety, and drive the analytical work of online
experiment to optimise the existing strategies to achieve better conversion rate.


Translate analysis and trends into recommendations for business logic to improve identity and
fraud conversion rates or fraud rates


Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning
models


Evaluate innovative data sources to solve fraud risk, and partner with the data engineering
team to develop and maintain the data pipelines for our core datasets for analytical
purposes. 


Own end-to-end analytics workflow, including defining success and performance metrics,
socialising them across the organisation, and creating actionable dashboards and reports


Partner with Machine Learning on building fraud and identity verification strategies for new
product, market, and user segments


Partner closely with Product and Engineering to identify highest impact points in the funnel to
drive user acquisition and retention


 
WHAT WE LOOK FOR


2-4 years work experience in customer risk management at a payments or financial company.


Fluent in SQL and Python 


A team player with ability to collaborate and influence across different teams in the
organisation


Ability to clearly communicate findings and recommendations to both technical and non-technical
audiences


Passion to understand how the product works and how to change to make it more effective


Strong time management skills and the ability to manage multiple projects and priorities


Able to thrive in a fast-paced environment and be responsive and available during high
intensity moments


Bachelor’s or Master’s degree degree in a quantitatively rigorous discipline like
engineering, statistics, math, or economics desired


Knowledge of the fundamentals of payment processing and an understanding of industry risk
trends, including familiarity with risk strategy development. 


Pay Grade - KEquity Grade - 6Employees new to Affirm typically come in at the start of the pay
range. Affirm focuses on providing a simple and transparent pay structure which is based on a
variety of factors, including location, experience and job-related skills. Base pay is
part of a total compensation package that may include monthly stipends for health, wellness and
tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for
you and your dependents). In addition, the employees may be eligible for equity rewards offered
by Affirm Holdings, Inc. (parent company).USA base pay range (CA, WA, NY, NJ, CT) per year:
$140,000 - $190,000USA base pay range (all other U.S. states) per year: $124,000 - $174,000
#LI-Remote
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can
work almost anywhere within the country of employment. Affirmers in proximal roles have the
flexibility to work remotely, but will occasionally be required to work out of their assigned
Affirm office. A limited number of roles remain office-based due to the nature of their job
responsibilities.
We’re extremely proud to offer competitive benefits that are anchored to our core value of
people come first. Some key highlights of our benefits package include: 

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your
dependents 
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various
Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and
recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people
with disabilities. We are happy to provide reasonable accommodations to candidates in need of
individualized support during the hiring process.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the
San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring
Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction
records.


By clicking "Submit Application," you acknowledge that you have read Affirm's Global
Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the
collection, processing, use, and storage of your personal information as described therein.