[Remote] Analytics Lead, Full Stack (Credit Analytics)

Note: The job is a remote job and is open to candidates in USA. 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 Analytics Lead will leverage advanced data analytics to derive insights and optimize credit strategies while collaborating with various teams to ensure compliance and strengthen strategic partnerships.ResponsibilitiesLeverage advanced data analytics to derive insights and optimize credit strategies across products and geographiesPartner with Engineering to design and build scalable risk models and credit risk capabilitiesMonitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate riskCollaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendationsEngage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnershipsOversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goalsDrive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulationsSkillsDegree in Data Science, Computer Science, Engineering, Economics, or a related field, and 4+ years of experience (or equivalent senior-level experience)Experience setting credit strategy for de novo products using Sandbox data, retrospective studies or archivesExperience in high-line unsecured lending, especially in the home improvement verticalSQL, Python, or other scripting languagesData mining, data visualisation, and statistical modelingApplying machine learning techniques to credit risk managementLeveraging advanced analytics to develop and optimise credit strategiesMonitoring and interpreting model performance metrics across portfoliosProven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectivesDeep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwritingAbility to translate complex regulatory and economic insights into actionable credit and product strategiesDemonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scaleExceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functionsBenefitsEquity rewardsMonthly stipends for health, wellness and tech spendingBenefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependentsFlexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expensesTime off - competitive vacation and holiday schedules allowing you to take time off to rest and rechargeESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discountRemote-first company with flexibility to work remotely and occasional requirement to work out of assigned Affirm officeCompany OverviewAffirm is a financial technology services company that offers installment loans to consumers at the point of sale. It was founded in 2012, and is headquartered in San Francisco, California, USA, with a workforce of 1001-5000 employees. Its website is https://www.affirm.com.Company H1B SponsorshipAffirm has a track record of offering H1B sponsorships, with 11 in 2026, 104 in 2025, 96 in 2024, 133 in 2023, 179 in 2022, 132 in 2021, 57 in 2020. Please note that this does not guarantee sponsorship for this specific role.