Affirm
Mid
Shape Affirm's credit risk strategy at the intersection of analytics, engineering, and regulation
Affirm's Risk & Analytics / Credit team is hiring an Analyst II to own the analytical lifecycle behind credit policy — from data-driven insight to business decision. You'll partner with Engineering to build scalable risk models, monitor portfolio and macroeconomic performance to adjust underwriting, and work cross-functionally with Product, Legal, Compliance, and external stakeholders (merchants, regulators) to turn regulatory and market complexity into concrete credit and product strategy. This is a remote-US, analytically rigorous role that also demands real influence over technical and non-technical stakeholders.
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What this interview tests
- Credit risk analytics: SQL/Python, data mining, statistical modeling
- Applying ML techniques to credit risk / underwriting decisions
- Cross-functional partnership with Engineering to build risk models and capabilities
- Consumer lending regulation, fair lending principles, regulatory-to-policy translation
- Portfolio monitoring against macroeconomic trends
- Stakeholder influence across technical and non-technical, internal and external audiences
Common question themes
Walk through a credit/risk analysis from data to business decision
Example of applying ML/statistical modeling to a credit risk problem
Translating a regulatory or fair-lending requirement into policy or product design
Partnering with engineering to build or scale a risk model
Responding to a macro or portfolio-performance shift with a strategy change
Influencing senior or external (merchant/regulator) stakeholders on a credit decision