Director, Backbook Risk (UK)

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.

Our mission to deliver honest financial products that improve lives extends beyond borders. Consumers across the globe need safe, transparent financing. Our retail partners need Affirm to be there for them, wherever that might be. To help achieve this vision, we are expanding our product lines and becoming a global company.

The Risk, Backbook and Integrations team is responsible for 2 mandates: 

• Providing oversight of the Risk aspects (Credit, Fraud, Merchant Risk) for International portfolios and acquisitions of Affirm
• Backbook Risk management function of Affirm globally

The team works cross-functionally with Risk verticals, Compliance, ERM, Machine Learning, Product, Engineering, Operations, and Commercial teams to establish appropriate Risk appetite for the International division of Affirm. Along with the definition and execution of the Risk strategy and ownership of the overall backbook performance, monitoring, and forecasting - this role will also be responsible for the overall consumer repayment and modification tools strategy.

As a Director of Backbook Risk, UK at Affirm, you will play a pivotal role in shaping the future of consumer financial services, commerce, and payments in the UK. Affirm is expanding in the UK and looking for a leader to undertake the responsibilities under the FCA SM&CR regime of this next phase of growth in the UK market. This is an individual contributor role, which requires a diverse skillset across merchant risk, consumer fraud and credit risks, portfolio management, and analytics. As a Director, you will collaborate with cross functional partners in Risk (Merchant Risk, Fraud Risk, Credit Risk) to provide advisory support and will spearhead the Backbook Risk function in UK.

You should be outcomes driven with a very high bias for action and are undaunted by multiple dependencies, both internal and external.

WHAT YOU’LL DO 

• As Director, UK Risk you will have responsibilities under the FCA SM&CR regime
• Be responsible for UK Backbook Risk Management
• Own overall backbook performance, monitoring, and forecasting
• Own the overall consumer repayment and modification tools strategy
• Liaising with Collections and Recoveries Operations team to implement the strategy designed for UK
• Partner with CLeaR and Backbook Operations to ensure that backbook management in UK is a compliant high integrity …