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Job description:
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At Affirm, we exist for the moments that
matter—giving people a clear,
predictable way to pay over time, with
no hidden fees, no surprises, and no
tradeoffs on what matters most.In our
hybrid early career program, you’ll be
paired with a tenured Affirmer and have
an opportunity to collaborate in-person
3 days a week out of our New York City,
or San Francisco offices. You'll
experience the best of both worlds: the
in-office experience and remote work.
After the one-year, you can remain
hybrid, go remote, or stay in an office.
Opportunities are available across
different tech stacks and teams so that
you can find a perfect fit to launch
your career with Affirm!
About the Risk & Analytics Team: The
Risk & Analytics (R&A) team
makes crucial decisions that direct
Affirm’s business strategy. We partner
with Machine Learning, Product,
Engineering, Capital Markets, and
Commercial teams to grow Affirm
responsibly by optimizing approval,
conversion, losses, and profitability.
Operating across the entire customer and
merchant lifecycle, we tackle a diverse
array of challenges from optimizing
checkout conversion and mitigating fraud
risk, to building scalable data
foundations and enabling international
growth. We analyze performance not just
to report on it, but to determine where
to invest resources for maximum impact
through building tools, scalable data
infrastructure, and analytical
frameworks. We improve the analytics
experience across Affirm by streamlining
workflows and fostering a culture of
learning and documentation. By taking
ownership of the entire analytical
lifecycle, from initial question to
final business decision, we turn complex
data and systems into clear, actionable
signals that ensure Affirm grows
efficiently and intelligently.
Our Teams (Where You Might Sit): We are
hiring multiple Early Career Analyst
roles across Affirm's Risk &
Analytics organization through this
single job posting. Rather than
interviewing for one specific team,
candidates will go through a shared
interview process designed to assess the
core skills we look for across R&A.
If selected, we will work with you to
determine the best team match based on
your interests, experience, strengths,
and current business needs. You will
have the opportunity to learn more about
our teams and share your preferences as
you move through the process.
Potential team placements include:
Point of Sale (POS): Optimize merchant
and checkout performance to improve
conversion, approvals, and unit
economics across the purchase funnel.
Direct to Consumer (DTC) / Card: Drive
engagement, repeat usage, and lifecycle
health across Affirm's app, web, and
card experiences.
Fraud: Prevent and reduce fraud losses
across the customer journey while
maintaining a frictionless user
experience.
Core Analytics: Build the quantitative
research, machine learning models,
performance monitoring, and scalable
data foundations that enable fast,
economically sound decisions.
Servicing and Payments: Enhance the
post-origination customer experience by
analyzing repayment behavior,
collections strategies, and operational
efficiency.
International Expansion: Build the
measurement and decision foundations
needed to sustainably launch and scale
Affirm in new global markets.
About the Role
As an Early Career Analyst in
Affirm's Risk & Analytics
organization, you will join one of
several analytical teams working across
the customer and merchant lifecycle.
While the specific problems you tackle
will depend on your eventual team
placement, all Analyst I roles share a
common foundation: using data to
understand business performance,
identify opportunities, and help Affirm
make better decisions.
You will learn the fundamentals of
consumer lending while executing scoped
analytical work under the guidance of
senior analysts and managers. You will
leverage SQL, Python, and modern
analytical tools to help optimize
business strategies, monitor
performance, and turn complex data into
actionable insights.
You are a thoughtful, driven individual
eager to build a strong technical
foundation, learn how to navigate
exogenous market changes, and integrate
modern AI tooling to solve hard problems
efficiently.
What You Will Do
Derive Insights & Support Strategy:
Leverage data analytics to uncover
insights that help optimize product,
risk, or growth strategies across
geographies.
Monitor Portfolio Health: Assist in
tracking performance metrics, user
behavior, and macroeconomic trends that
impact business outcomes, flagging risks
and anomalies to senior team members.
Technical Execution: Write clean,
working SQL and Python to build scalable
reporting and partner with Engineering
to support the deployment of machine
learning and risk models.
Cross-Functional Collaboration: Work
closely with Product, Legal, and
Compliance to understand evolving
consumer lending regulations and market
requirements, assisting in translating
them into foundational data models and
operational policies.
Drive Launch Alignment: Support
cross-functional discussions to ensure
new product launches and market entries
align with our operational capabilities
and risk appetite.
AI Fluency & Efficiency: Integrate
AI tools (Cursor, Claude Code, copilots)
into your daily workflows to accelerate
data mining and routine tasks, holding
the line on verifying outputs.
What We Look For
Currently pursuing a Bachelor’s degree
or higher with an expectation that you
will complete your most recent full-time
degree program by August 2027 or
earlier; relevant internships or prior
experience in the consumer lending,
fintech, or broader financial services
industry are highly valued.
Degree in Data Science, Computer
Science, Engineering, Economics,
Statistics, Math or a related
quantitative field preferred.
Working knowledge of SQL, Python, or
other scripting languages.
Familiarity with data mining, data
visualization, and foundational
statistical modeling.
Basic understanding or deep curiosity
about consumer lending regulations, fair
lending principles, and how machine
learning techniques apply to real-world
business problems.
Exceptional communication skills,
humility, and the ability to collaborate
effectively.
Pay Grade - IEquity Grade - 5Employees
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
or NY) per year: $115,000
#LI-Remote
Remote-first with flexibility built
inAffirm is proud to be a remote-first
company. Most roles can be done from
almost anywhere within the country of
employment. Some positions may
occasionally require in-person work at
an Affirm office, and a few are
office-based due to the nature of the
work. All new hires will be invited to
attend an in-person onboarding
experience.
Benefits designed for youOur benefits
reflect our commitment to care,
transparency, and flexibility. Here are
a few highlights:
Health coverage at no cost: We cover
100% of premiums for employees and their
dependents.
Spending stipends: Monthly stipends
support your tech setup, and the ability
to choose health and wellness options
that are right for you.
Time off to recharge: Flexible time off
and generous holiday calendars help you
rest when you need to.
Own a piece of what you build: Our
employee stock purchase plan (ESPP) lets
you buy Affirm stock at a discount.
We’re committed to providing an
inclusive interview process, including
accommodations for candidates with
disabilities. If you need support,
we’re happy to help.
For positions based in San Francisco or
Los Angeles: Affirm considers qualified
applicants with arrest and conviction
records, as required by law.
By clicking "Submit Application," you
acknowledge that you have read
Affirm's Global Candidate
Privacy Notice and consent to the use of
your personal information as described.
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