Credit Analyst Jobs at Affirm with Visa Sponsorship
Affirm hires Credit Analysts to assess risk, underwrite consumer credit products, and support data-driven lending decisions across its buy-now-pay-later platform. The company has a documented track record of sponsoring work visas for this function, making it a realistic target for international candidates in financial services.
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Get Access To All JobsINTRODUCTION
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 Credit team works cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, driven individual who wants to learn, grow, and solve hard problems. The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory; thinking through credit policies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle. This role requires extensive use of data analytics to derive insights across a variety of functions. It also requires a lot of cross-functional partnership including working with the Machine Learning and Quantitative Market teams in developing new models/frameworks, with the Merchant Pricing and Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent activities, as part of the role. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience!
ROLE AND RESPONSIBILITIES
Leverage advanced data analytics to derive insights and optimize credit strategies
Perform portfolio analytics including out of trend investigations and attribution analysis
Partner with Machine Learning and Engineering on building effective monitoring and credit risk capabilities
Monitor portfolio as well as macroeconomic trends impacting loan performance
Drive adjustments to our underwriting and marketing strategies to mitigate risk
Contribute in enhancing the end-to-end portfolio management monitoring framework
BASIC QUALIFICATIONS
Passion and drive to change banking, payments and online marketing for the better
3-5 years work experience as a data analyst (consumer credit risk management strongly preferred but not required)
Curiosity to learn about data, models and algorithms
Extensive experience with SQL and Python
Ability to collaborate and influence across different teams in the organization
Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
* A passion for finding insights in data and driving change based on those insights
COMPENSATION
Pay Grade - K
Equity Grade - 6
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: $140,000-190,000
USA base pay range (all other U.S. states) per year: $124,000-174,000
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 expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - 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.
LOCATION
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 Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
INTRODUCTION
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 Credit team works cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, driven individual who wants to learn, grow, and solve hard problems. The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory; thinking through credit policies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle. This role requires extensive use of data analytics to derive insights across a variety of functions. It also requires a lot of cross-functional partnership including working with the Machine Learning and Quantitative Market teams in developing new models/frameworks, with the Merchant Pricing and Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent activities, as part of the role. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience!
ROLE AND RESPONSIBILITIES
Leverage advanced data analytics to derive insights and optimize credit strategies
Perform portfolio analytics including out of trend investigations and attribution analysis
Partner with Machine Learning and Engineering on building effective monitoring and credit risk capabilities
Monitor portfolio as well as macroeconomic trends impacting loan performance
Drive adjustments to our underwriting and marketing strategies to mitigate risk
Contribute in enhancing the end-to-end portfolio management monitoring framework
BASIC QUALIFICATIONS
Passion and drive to change banking, payments and online marketing for the better
3-5 years work experience as a data analyst (consumer credit risk management strongly preferred but not required)
Curiosity to learn about data, models and algorithms
Extensive experience with SQL and Python
Ability to collaborate and influence across different teams in the organization
Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
* A passion for finding insights in data and driving change based on those insights
COMPENSATION
Pay Grade - K
Equity Grade - 6
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: $140,000-190,000
USA base pay range (all other U.S. states) per year: $124,000-174,000
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 expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - 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.
LOCATION
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 Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
See all 93+ Credit Analyst at Affirm jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Analyst at Affirm roles.
Get Access To All JobsTips for Finding Credit Analyst Jobs at Affirm Jobs
Frame your credit modeling experience precisely
Affirm's Credit Analyst roles emphasize loss forecasting, underwriting policy, and consumer credit risk, not traditional bank lending. Tailor your resume to show experience with credit scorecards, vintage analysis, or cohort-based performance metrics rather than generic financial analysis.
Verify Affirm's E-Verify enrollment before applying
F-1 OPT STEM extension eligibility depends on your employer being enrolled in E-Verify. Affirm, as a fintech employer of significant scale, maintains E-Verify participation, which makes it a viable option for qualifying STEM OPT extensions in analytical roles.
Use Migrate Mate to surface active Credit Analyst openings
Affirm's visa-eligible Credit Analyst roles aren't always labeled with sponsorship details on general job boards. Use Migrate Mate to filter open positions at Affirm by visa type so you're only spending time on roles that match your authorization needs.
Negotiate your start date around H-1B cap timing
If Affirm extends an offer and you need H-1B sponsorship, your start date must fall on or after October 1, the cap-subject H-1B fiscal year start. Structure your offer discussion to account for this before signing anything.
Prepare a DOL-compliant employment offer before PERM
For Green Card sponsorship via EB-2 or EB-3, Affirm's legal team will need to run a PERM labor market test through DOL. Credit Analyst job duties must be documented precisely in the PERM application, so clarify your actual scope of work during the offer stage, not after.
Credit Analyst at Affirm jobs are hiring across the US. Find yours.
Find Credit Analyst at Affirm JobsFrequently Asked Questions
Does Affirm sponsor H-1B visas for Credit Analysts?
Yes, Affirm sponsors H-1B visas for Credit Analyst positions. The company has a consistent record of filing H-1B petitions for roles in its risk and credit functions. Because H-1B cap-subject petitions must be submitted in April for an October 1 start, timing your application process to align with Affirm's hiring cycles matters considerably for international candidates.
Which visa types are commonly used for Credit Analyst roles at Affirm?
Affirm supports H-1B, F-1 OPT, F-1 CPT, TN, and EB-2 and EB-3 Green Card sponsorship for Credit Analyst roles. F-1 OPT is the most common entry point for recent graduates, while the H-1B is the typical long-term work authorization pathway. Canadian and Mexican nationals with qualifying degrees may also be eligible for TN status under the USMCA.
How do I apply for Credit Analyst jobs at Affirm?
Search Affirm's careers page directly for Credit Analyst openings, filtering by department (Risk or Finance) and location. You can also use Migrate Mate to browse Affirm's visa-sponsoring roles filtered by your specific visa type, which removes the guesswork around which postings are open to international candidates. Tailor your application to Affirm's consumer credit and fintech context rather than submitting a generic finance resume.
What qualifications does Affirm look for in Credit Analyst candidates?
Affirm typically looks for candidates with a background in statistics, economics, finance, or a related quantitative field. Practical experience with credit risk modeling, SQL, Python, or R is weighted heavily, particularly for roles supporting underwriting policy or portfolio analytics. For sponsored candidates, your degree field will also need to align with specialty occupation requirements under USCIS standards.
How do I manage the visa timeline when pursuing a Credit Analyst offer at Affirm?
If you're on F-1 OPT, apply early enough that Affirm's legal team can file an H-1B petition in the April registration window. USCIS typically processes cap-subject H-1B petitions with a start date of October 1, so there's a fixed calendar to work around. For EB-2 or EB-3 Green Card sponsorship, expect the PERM process to begin well after you've started, as it requires documentation of your actual job duties.
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