Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies.

Partner with Engineering to design and build scalable risk models and credit risk capabilities.

Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk.

Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations.

Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships.

Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals.

Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations.

What we look for

Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 4+ years of experience (or equivalent senior-level experience)

Experience setting credit strategy for de novo products using Sandbox data, retrospective studies or archives

Experience in high-line unsecured lending, especially in the home improvement vertical

SQL, Python, or other scripting languages

Analytics Lead, Full Stack (Credit Analytics)

Responsibilities

Qualification

Required

Benefits

Company

Affirm

More roles at Affirm