Analyst II, Merchant Risk Underwriter
Remote US
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 company that offers clear and transparent financing to consumers, we are extremely diligent about ensuring that our merchant partnerships are successful for Affirm, our merchants, and most importantly, our customers! Our merchant partners encompass various industries and business models, ranging from venture-backed e-commerce startups to publicly-traded enterprises.
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 statements, 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 Process Improvement: 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 statements, business credit reports and payment processor statements
- Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution
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 …
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Limited number of roles remain office-based Remote US
Benefits/Perks100% subsidized medical coverage Competitive benefits Employee stock purchase plan Equity rewards ESPP Flexible Spending Flexible spending stipends Flexible Spending Wallets Generous time off Health care coverage Inclusive interview experience Inclusive interview experience for all Monthly stipends Remote-first company Subsidized medical coverage Time off Transparent pay structure
Tasks- Process Improvement
Banking Business Development Commercial lending Compliance E-commerce Lending Monitoring Organization Partnerships Payments Process Improvement REST Risk Assessment Risk Management Sales
TimezonesAmerica/Anchorage America/Chicago America/Denver America/Los_Angeles America/New_York Pacific/Honolulu UTC-10 UTC-5 UTC-6 UTC-7 UTC-8 UTC-9