Analyst II, Full Stack (Fraud Analytics)
WFA Digital Insight
The demand for skilled full stack analysts in the fintech sector has surged, with a 25% increase in job openings over the past year. Affirm, a pioneer in consumer finance, is seeking a talented professional to join their Fraud Strategy and Analytics team. With the rise of digital payments, companies like Affirm are investing heavily in fraud prevention and detection. To succeed in this role, candidates will need to possess strong data analytics skills, collaboration abilities, and a passion for staying ahead of fraud trends. As the remote job market continues to evolve, this role offers a unique opportunity to work with a cutting-edge company and make a real impact on consumer finance.
Job Description
About the Role
The Analyst II, Full Stack position at Affirm is a critical role within the Fraud Strategy and Analytics team. As a key member of this team, you will be responsible for analyzing and optimizing Affirm's online fraud decisioning strategy. This will involve working closely with cross-functional teams, including Product, Engineering, Operations, and Finance, to define and ensure accurate execution of the fraud strategy. The goal is to effectively prevent fraud losses while providing the best customer experience possible.The successful candidate will be an expert in data analytics, with the ability to derive insights and develop/update fraud strategies. You will work with the Product teams to develop new fraud features, with the engineering team to launch online experiments, and with the Operations team to execute risk and resolution strategies. You will also collaborate with the Finance team to facilitate discussions on portfolio performance and loss forecasting.
Affirm is committed to changing consumer finance through better data and technology, lower costs, and increased transparency. As a Full Stack Analyst, you will play a key role in this mission, working to identify opportunities to accelerate product development and improve existing products in Trust and Safety.
What You Will Do
- Proactively explore data to identify opportunities for product development and improvement
- Develop and optimize fraud strategies using data analytics and collaboration with cross-functional teams
- Translate analysis and trends into recommendations for business logic to improve identity and fraud conversion rates
- Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning models
- Evaluate innovative data sources to solve fraud risk and partner with the data engineering team to develop and maintain data pipelines
- Own end-to-end analytics workflow, including defining success and performance metrics, socializing them across the organization, and creating actionable dashboards and reports
- Partner with Machine Learning to build fraud and identity verification strategies for new product, market, and user segments
- Collaborate with Product and Engineering to identify high-impact points in the funnel to drive user acquisition and retention
- Develop and maintain technical documentation for fraud models and strategies
What We Are Looking For
- 2-4 years of work experience in customer risk management at a payments or financial company
- Fluency in SQL and Python
- Strong collaboration and influencing skills, with the ability to work across different teams
- Ability to clearly communicate findings and recommendations to both technical and non-technical audiences
- Passion for understanding how products work and how to change them to make them more effective
- Strong time management skills and the ability to manage multiple projects and priorities
- Ability to thrive in a fast-paced environment and be responsive and available during high-intensity moments
- Bachelor's or Master's degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics
- Knowledge of the fundamentals of payment processing and an understanding of industry risk trends
Nice to Have
- Experience with machine learning and data modeling
- Familiarity with cloud-based data platforms and tools
- Knowledge of regulatory requirements and industry standards for fraud prevention
Benefits and Perks
- Competitive salary and equity package
- Comprehensive health, dental, and vision insurance
- Generous paid time off and holiday policy
- Remote work stipend and flexible working hours
- Opportunities for professional growth and development
- Collaborative and dynamic work environment
How to Stand Out
- Develop a strong understanding of data analytics and machine learning concepts to stand out in this role
- Create a portfolio that showcases your ability to analyze complex data sets and develop actionable insights
- Be prepared to discuss your experience with SQL and Python, as well as your ability to communicate technical concepts to non-technical audiences
- Research Affirm's products and services to understand their approach to consumer finance and fraud prevention
- Highlight your ability to work collaboratively and influence cross-functional teams
- Prepare to discuss your experience with cloud-based data platforms and tools, as well as your knowledge of regulatory requirements and industry standards for fraud prevention
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