Analyst, Early Career (Full Stack)

About This RoleAI processing…

Key Responsibilities

• 1
  Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel.
• 2
  Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences.
• 3
  Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience.
• 4
  Core Analytics: Build the quantitative research, machine learning models, performance monitoring, and scalable data foundations that enable fast, economically sound decisions.
• 5
  Servicing and Payments: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency.
• 6
  International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets.
• 7
  Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies.
• 8
  Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members.
• 9
  Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models.
• 10
  Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies.
• 11
  Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite.
• 12
  AI Fluency & Efficiency: Integrate AI tools (Cursor, Claude Code, copilots) into your daily workflows to accelerate data mining and routine tasks, holding the line on verifying outputs.

Requirements

• Currently pursuing a Bachelor’s degree or higher with an expectation that you will complete your most recent full-time degree program by August 2027 or earlier; relevant internships or prior experience in the consumer lending, fintech, or broader financial services industry are highly valued.
• Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math or a related quantitative field preferred.
• Working knowledge of SQL, Python, or other scripting languages.
• Familiarity with data mining, data visualization, and foundational statistical modeling.
• Basic understanding or deep curiosity about consumer lending regulations, fair lending principles, and how machine learning techniques apply to real-world business problems.
• Exceptional communication skills, humility, and the ability to collaborate effectively.

Perks & Benefits