[Hiring] Analyst II, Credit @Affirm

Role Description

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.

• 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
• Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

Qualifications

• 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

Requirements

• Knowledge or experience in e-commerce underwriting and/or commercial lending
• 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!

Benefits

• Base Pay Grade - G
• Equity Grade - 3
• Base pay range per year: £66,000 - £76,000
• Affirm focuses on providing a simple and transparent pay structure based on 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
• 100% subsidised medical coverage, dental and vision for you and your dependents
• 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