Analyst I, Merchant Risk Full Stack

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 Merchant Risk Analytics team works cross-functionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring. We're looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems.

This role requires extensive use of data analytics and modeling to derive insights and develop innovative strategies to manage risks for Anti-Money Laundering (AML) and Terms of Service (TOS) violations. You will serve as the main point of contact to support detection efforts. Additionally, this role will collaborate closely with cross-functional partners to enhance our merchant risk management framework.

What you'll do 

• Monitor violations across our network and respond quickly to detected risks.

• Partner with compliance, legal, and underwriting teams to develop data-driven strategies.

• Assist in the development of our model strategy and identify potential gaps.

• Collaborate with product, data science, and engineering teams to build new models, products, and features.

• Build and apply innovative tools and quantitative approaches to solve exciting problems

What we look for

• EXPERIENCE - Minimum 1 year of experience in risk management or a related field, including prior experience with analytics. This position requires either equivalent practical experience or a Bachelor’s degree in a related field

• RESILIENCY - Ability to think creatively and critically, thriving in a fast-paced environment.

• Curiosity - Eagerness to explore new tools and methodologies to solve real-world problems.

• TECHNICAL SKILLS- Strong coding skills in Python, SQL, or other scripting languages.

• PRODUCT KNOWLEDGE - Passion for understanding how the product works and the broader context of business decisions.

• EDUCATION - Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics.

• INDUSTRY KNOWLEDGE - Working knowledge of the fundamentals of payment processing and a basic understanding of risk strategy development.

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, …