Affirm is hiring a

Senior Product Analyst - Credit/Fraud

San Francisco, United States
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.

The Credit team works cross-functionally with Data Science, Product, Engineering, Capital Markets to responsibly manage the risk profile of the business. We are looking for a unique individual to bridge the product and credit worlds and work with the Risk Product/Engineering team to improve our fraud and underwriting solutions.

This role requires a lot of cross-functional partnership. This individual will be the representative of the Analytics org, leading the charge on refining our Identity Verification and Fraud processes as well as our application flow. Additionally, this role will work closely with the ML Platform and Data Science teams to improve our underwriting solution. 

Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience.  


  • Proactively explore data and identify opportunities to help accelerate product development or improve existing products
  • Address ambiguous problems and formulate hypotheses into actionable and well-designed experiments
  • Own end-to-end product analytics workflow, including defining success and performance metrics, socializing them across the organization, and creating actionable dashboards and reports
  • Partner with the Risk Product and Engineering teams, build a rapport and be a trusted advisor to team members
  • Partner with Data Science on building new underwriting solutions
  • Assist in new product formation and new market exploration
  • Bridge the gap between the Product and Credit organization by playing this cross-functional role


  • Passion and drive to change banking, payments and online marketing for the better
  • 2-4 years’ work experience as a product/business/credit analyst 
  • Passion to understand how the product works and how to change to make it more effective
  • Experience with SQL, Python, or other scripting languages
  • Ability to collaborate and influence across different teams in the organization
  • Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
  • Intelligence + Humility. Hubris is the fastest way to blow up a business!
  • 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.

If you got to this point, we hope you're feeling excited about the job description you just read. Even if you don't feel that you meet every single requirement, we still encourage you to apply. We're eager to meet people that believe in Affirm's mission and can contribute to our team in a variety of ways – not just candidates who check all the boxes. #LI-KM1

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.

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