Analyst, Early Career (Full Stack)

About the Role

As an Early Career Analyst in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. While the specific problems you tackle will depend on your eventual team placement, all Analyst I roles share a common foundation: using data to understand business performance, identify opportunities, and help Affirm make better decisions. You will learn the fundamentals of consumer lending while executing scoped analytical work under the guidance of senior analysts and managers. You will leverage SQL, Python, and modern analytical tools to help optimize business strategies, monitor performance, and turn complex data into actionable insights. You are a thoughtful, driven individual eager to build a strong technical foundation, learn how to navigate exogenous market changes, and integrate modern AI tooling to solve hard problems efficiently.

Key Responsibilities

• Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies.
• 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.
• 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.
• 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.
• Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite.
• 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.

Potential Team Placements

• Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel.
• Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences.
• Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience.
• Core Analytics: Build the quantitative research, machine learning models, performance monitoring, and scalable data foundations that enable fast, economically sound decisions.
• Servicing and Payments: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency.
• International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets.

Requirements & Tech Stack

• SQL
• Python
• Modern analytical tools
• AI tools (Cursor, Claude Code, copilots)

Qualifications

• 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.

Hybrid Work Model

• Opportunity to collaborate in-person 3 days a week out of New York City or San Francisco offices.
• Experience the best of both worlds: in-office and remote work.
• After the one-year program, flexibility to remain hybrid, go remote, or stay in an office.

Compensation & Benefits

• USA base pay range (CA or NY) per year: $115,000
• 100% subsidized medical coverage, dental and vision for you and your dependents.
• Monthly stipends for tech setup, health, and wellness.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP).