[Remote] Analyst, Early Career (Full Stack)

Note: The job is a remote job and is open to candidates in USA. Affirm is hiring an Early Career Analyst in its Risk & Analytics organization. The role uses data and analytical tools to monitor business performance, identify opportunities, support strategy, and help optimize consumer lending across the customer and merchant lifecycle.

Responsibilities

• Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies
• Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members
• Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models
• Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies
• Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite
• AI Fluency & Efficiency: Integrate AI tools (Cursor, Claude Code, copilots) into your daily workflows to accelerate data mining and routine tasks, holding the line on verifying outputs

Skills

• Currently pursuing a Bachelor's degree or higher with an expectation that you will complete your most recent full-time degree program by August 2027 or earlier
• Working knowledge of SQL, Python, or other scripting languages
• Familiarity with data mining, data visualization, and foundational statistical modeling
• Basic understanding or deep curiosity about consumer lending regulations, fair lending principles, and how machine learning techniques apply to real-world business problems
• Exceptional communication skills, humility, and the ability to collaborate effectively
• Relevant internships or prior experience in the consumer lending, fintech, or broader financial services industry are highly valued
• Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math or a related quantitative field preferred

Benefits

• 100% subsidized medical coverage, dental and vision for you and your dependents
• Monthly stipends for health, wellness and tech spending
• Employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company)
• Remote-first with flexibility built in: most roles can be done from almost anywhere within the country of employment
• In the hybrid early career program, collaborate in-person 3 days a week out of the New York City or San Francisco offices; after one year, you can remain hybrid, go remote, or stay in an office
• Health coverage at no cost: 100% of premiums for employees and their dependents
• Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount

Company Overview

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