Analytics Manager, Credit Risk

AffirmAffirm·Remote(Remote US)
Data & Analytics

WFA Digital Insight

The demand for skilled analytics professionals in credit risk management has surged, with a 25% increase in remote job postings over the past year. As companies like Affirm pioneer consumer finance innovation, experts who can balance risk and growth are in high demand. With its commitment to transparency and customer experience, Affirm stands out in the industry. Before applying, candidates should be prepared to showcase their technical skills in SQL and Python, as well as their ability to collaborate and communicate complex ideas effectively.

Job Description

About the Role

The Analytics Manager, Credit Risk at Affirm is a pivotal role that combines data analytics, strategy development, and cross-functional collaboration to manage the company's credit risk profile. This position is part of the Credit team, which works closely with various departments, including Machine Learning, Fraud, Product, Engineering, Capital Markets, and Commercial teams, to ensure sustainable growth while maintaining profitability and portfolio resilience. The successful candidate will be a driven individual with a passion for solving complex problems and a keen interest in leveraging data to drive business decisions.

In this role, the Analytics Manager will be responsible for designing and implementing credit strategies for new initiatives and products, partnering with the Machine Learning team to enhance the underwriting framework, and navigating through any external changes that may impact the business. This position requires a strong ability to work with data, derive insights, and develop strategies that balance risk and growth.

The Credit team at Affirm is committed to making credit more honest and friendly, and the Analytics Manager will play a key role in achieving this mission. By working closely with cross-functional teams and utilizing data analytics, the successful candidate will help drive business growth while ensuring the company's risk profile remains manageable.

What You Will Do

  • Partner with cross-functional teams to manage the end-to-end credit strategy for the Shopify portfolio
  • Leverage alternative data to optimize credit strategies in limit assignment and purchasing power
  • Collaborate with the Machine Learning team to enhance the underwriting framework for low AOV
  • Support new product formation and exploration of new verticals
  • Develop and maintain datasets and data visualizations to track key credit metrics
  • Design and implement A/B tests to measure the effectiveness of different credit strategies
  • Work with the Product team to develop and launch new credit products
  • Collaborate with the Engineering team to implement technical solutions for credit risk management
  • Develop and maintain documentation of credit strategies and analytics workflows
  • Stay up-to-date with industry trends and developments in credit risk management

What We Are Looking For

  • 7+ years of work experience in the credit risk field
  • Strong technical skills, including fluency in SQL and Python
  • Working knowledge of the fundamentals of the lending industry and credit risk management
  • Visionary leader who can challenge the status quo and identify opportunities
  • Ability to develop and execute a roadmap and strategy plan
  • Strong time management skills and the ability to manage multiple projects and priorities
  • Ability to collaborate and influence across different teams
  • Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
  • Experience working with cross-functional teams, including Machine Learning, Product, and Engineering
  • Strong analytical and problem-solving skills, with the ability to leverage data to drive business decisions

Nice to Have

  • Experience working in a fast-paced, dynamic environment
  • Knowledge of cloud-based data platforms, such as AWS or GCP
  • Familiarity with data visualization tools, such as Tableau or Power BI
  • Experience working with agile development methodologies

Benefits and Perks

  • Competitive base salary
  • Equity rewards
  • Monthly stipends for health, wellness, and tech spending
  • 100% subsidized medical coverage, dental, and vision for you and your dependents
  • Flexible PTO policy
  • Remote work stipend
  • Opportunities for professional growth and development
  • Collaborative and dynamic work environment
  • Access to cutting-edge technologies and tools
  • Recognition and reward for outstanding performance

How to Stand Out

  • Showcase your technical skills in SQL and Python by providing specific examples of how you've applied these skills in previous roles.
  • Highlight your ability to collaborate and communicate complex ideas effectively by describing your experience working with cross-functional teams.
  • Be prepared to discuss your experience with data analytics and how you've used data to drive business decisions.
  • Research Affirm's company culture and values to demonstrate your understanding of the company's mission and vision.
  • Practice your problem-solving skills by reviewing common credit risk management scenarios and developing potential solutions.
  • Prepare to discuss your experience working in a fast-paced, dynamic environment and how you've managed multiple projects and priorities.
  • Review your portfolio and be prepared to provide specific examples of your work, including any data visualizations or reports you've created.

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