What You'll Do: 

Defining and ensuring execution of the backbook risk strategy and defining the company’s risk appetite in collaboration with Affirm’s Credit Risk, Compliance, Machine Learning, Product, Engineering, Operations, Growth Analytics, and Finance Teams; 

Developing and continually refining robust forecasting for backbook risk incorporating impact from strategy modifications and statistical analyses being implemented by Risk, Machine Learning, and Product; Developing and implementing improvement processes with Affirm’s Frontbook Risk Strategy, Backbook Risk Strategy, Provisions, and Product based on observed backbook performance in combination with the macroeconomic outlook; 

Developing, implementing, and evolving repayment and modification tools strategies and policies; and 

Developing and implementing the risk management framework and provisions for the backbook of Affirm’s international division. 

Position requires 10% of travel to various unanticipated worksites nationally and internationally. 

May telecommute.

What we look for: Master’s degree (or foreign equivalent) in Management Studies, Computer Science, Mathematics, Physics, Business Administration, or related field & 4 years of experience in the following:

Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data;

SQL, Python, or Excel (Macro, VBA);

Working with Business Intelligence tools such as Qlik, Power BI or others;

Risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance, enabling comprehensive evaluation of industry risk trends, including risk strategy development; and

Data analytics, financial modeling, model validation, risk analytics, financial budgeting and project management.

Base Pay Grade - M
Equity Grade - 6

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $180,000 - $230,000
USA base pay range (all other U.S. states) per year: $160,000 - $210,000