About the job

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 Fraud Strategy & Analytics team works cross-functionally with Machine Learning, Product, Engineering, and Fraud Operations to combat fraudulent activities and to foster a safe platform.

What You'll Do

Help support our team's fraud monitoring, detection and mitigation efforts Participate in a rotation serving as a main point of contact for fraud escalations Research emerging fraud trends by analyzing data and monitoring key fraud metrics to proactively identify and address potential risks Quickly respond to fraud rings and implement new strategies to mitigate emerging fraud threats and vulnerabilities Assist with development of our fraud monitoring strategy and identify any potential gaps Work closely with our cross functional partners to help improve our fraud decisioning systems Assist with evaluation and development of new external or internal features and signals to improve our fraud detection capabilities

What We Look For

EXPERIENCE - Minimum 1 year of experience in fraud prevention, risk management, or related fields, including prior experience with data analytics in the finance or lending industry preferred. TECHNICAL SKILLS - Proficiency with data analysis using SQL is required. Strong analytical skills with the ability to identify patterns, trends, and anomalies in data are essential. Hands-on experience using a scripting language, such as Python or R, for data analysis is preferred. PRODUCT KNOWLEDGE - Passion for understanding and enhancing fraud detection systems to effectively identify and mitigate fraudulent activities. INDUSTRY KNOWLEDGE - Working knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development COMMUNICATION - Ability to communicate findings and recommendations clearly to both technical and non-technical audiences MULTI-TASKING - Strong time management skills and the ability to handle multiple projects and priorities EDUCATION - Bachelor’s degree in a quantitatively rigorous field like engineering, statistics, math, finance, economics desired

Base Pay Grade - I

Equity Grade - 5

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: $115,000 - $155,000

USA base pay range (all other U.S. states) per year: $102,000 - $142,000

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

Benefits

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents Flexible 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 discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.