Analyst II, Credit

<div class="content-intro"><p>At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.</p></div><p data-pm-slice="1 3 []">As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk – brand, reputational, legal and compliance risk.</p> <p>The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!</p> <p>&nbsp;</p> <p><strong>What you’ll do</strong></p> <ul> <li> <p>Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants</p> </li> <li> <p>Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants</p> </li> <li> <p>Investigate and use new sources of third party data to assess merchant financial risk</p> </li> <li> <p>Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants</p> </li> <li> <p>Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation</p> </li> </ul> <p>&nbsp;</p> <p><strong>What we look for</strong></p> <ul> <li> <p>3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting</p> </li> <li> <p>Experience working with cross functional partners across the organization, especially Sales and Business Development teams</p> </li> <li> <p>Experience reviewing financial documents, business credit reports and payment processor statements</p> </li> <li> <p>Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution<br><br><br></p> </li> </ul> <h3><strong>Compensation &amp; Benefits</strong></h3> <p>Base Pay Grade - G</p> <p>Equity Grade - 3</p> <p>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.</p> <p>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% subsidised medical coverage, dental and vision for you and your dependents.)</p> <p>Base pay range per year: £66,000 - £76,000&nbsp;</p> <p>Location: UK Remote</p> <p><strong>&nbsp;#LI-Remote</strong></p><div class="content-conclusion"><div> <p><strong>Remote-first with flexibility built in</strong><strong><br></strong>Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.</p> <p><strong>Benefits designed for you</strong><strong><br></strong>Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:</p> <ul> <li>Health coverage at no cost: We cover 100% of premiums for employees and their dependents.</li> <li>Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.</li> <li>Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.</li> <li>Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.</li> </ul> <p>We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.</p> <p>For positions based in San Fr