Analyst II, Credit

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.

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.

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!

What you’ll do

Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants

Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants

Investigate and use new sources of third party data to assess merchant financial risk

Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants

Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

What we look for

3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting

Experience working with cross functional partners across the organization, especially Sales and Business Development teams

Experience reviewing financial documents, business credit reports and payment processor statements

Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution

Compensation & Benefits

Base Pay Grade - G

Equity Grade - 3

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% subsidised medical coverage, dental and vision for you and your dependents.)

Base pay range per year: £66,000 - £76,000

Location: UK Remote

#LI-Remote

• Remote-first with flexibility built in
• 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.

• Benefits designed for you
• Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

Health coverage at no cost: We cover 100% of premiums for employees and their dependents.

Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.

Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.

Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

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