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.As a
Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity
associated with the merchants. You will also coordinate with cross-functional partners to
assess non-financial risk – brand, reputational, legal and compliance risk.
The ideal candidate will have knowledge or experience in e-commerce underwriting and/or
commercial lending. They will also have a solid understanding of evaluating merchant financial
risk based on 3rd party data, credit reports, and other merchant attributes. Prior work
experience in payments, lending, banking or financial institutions is a plus!
 
What you’ll do


Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new
and existing merchants


Use business credit reports, financial documents, investigative research tools, and financial
market data to conduct risk assessment of Affirm’s merchants


Investigate and use new sources of third party data to assess merchant financial risk


Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants


Business Improvement In Execution: Leverage your knowledge to provide guidance towards the
automation/improvements of merchant risk evaluation


 
What we look for


3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk
Management, Fraud, Collections, or Merchant Underwriting


Experience working with cross functional partners across the organization, especially Sales and
Business Development teams


Experience reviewing financial documents, business credit reports and payment processor
statements


Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and
execution


Compensation & Benefits
Base Pay Grade - G
Equity Grade - 3
Employees 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 equity rewards, monthly
stipends for health, wellness and tech spending, and benefits (including 100% subsidised
medical coverage, dental and vision for you and your dependents.)
Base pay range per year: £66,000 - £76,000 
Location: UK Remote
 #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.


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collection, processing, use, and storage of your personal information as described therein.