Senior Manager, Credit Analytics

Job Description

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. Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience. We’re looking for an experienced leader to take accountability of Credit for our Core Point of Sale business, reporting to the Head of Credit and Analytics. We are looking for a leader who is oriented to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory; thinking through credit policies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle. This leader will need to be a deft influencer. Working with the Data Science team to develop new underwriting models, with the Product teams to develop new products and features, with the Pricing team to customize merchant pricing, with the Capital Markets team to help facilitate discussions with debt and equity investors. A critical leadership role in the company, the impact of this person will be instrumental in helping Affirm achieve its mission of helping millions of people improve their financial lives, while creating a robust financial institution.

WHAT YOU’LL DO

• Design and develop new credit, pricing, limit setting policies for our Core Point-of-Sale product
• Work with Risk Engineering and Data Science teams to continue to improve our underwriting and modeling frameworks
• Work with Product teams on innovative ways we could change the product to improve unit economics
• Develop a robust valuations and monitoring infrastructure
• Leverage this valuations ownership to come up with insights on how to think about economics of the business
• Forecast losses and delinquencies. Work with Finance on allowance policies
• Monitor macroeconomic trends impacting loan performance and drive adjustments to our underwriting and marketing strategies to mitigate risk
• Develop and grow a high-performing team of analysts on how to manage credit for the business

WHAT WE LOOK FOR

• Passion and drive to change banking, payments and online marketing for the better
• 8-10 years’ work experience in consumer credit risk management
• Curiosity to learn about data, models and algorithms
• Intelligence + Humility. Hubris is the fastest way to blow up a bank!
• Ability to collaborate and influence across different teams in the organization
• Grit. Lots of grit. You’ll wear 7 hats and not love all of them

We also encourage you to read our Chief Risk and Strategy Officer’s views on what makes Credit Risk Managers influential and on a Modern Risk Management System . At Affirm, "People Come First" is a core value and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can learn more about our D&I efforts here . We also consider qualified applicants with arrest and conviction records for positions in accordance with applicable laws, including the San Francisco Fair Chance Ordinance. Apply for this job