Credit Risk Analyst Jobs at Affirm with Visa Sponsorship
Credit Risk Analyst roles at Affirm sit at the intersection of consumer lending, machine learning-driven underwriting, and regulatory compliance. Affirm has a consistent track record of sponsoring international talent for analytical and risk functions, making it a realistic target for visa-sponsored candidates with quantitative finance backgrounds.
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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 Risk Analyst at Affirm jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Risk Analyst at Affirm roles.
Get Access To All JobsTips for Finding Credit Risk Analyst Jobs at Affirm Jobs
Frame your modeling skills for BNPL risk
Affirm's risk analysts work specifically on buy-now-pay-later credit models, not traditional revolving credit. Tailor your resume to highlight loss forecasting, vintage analysis, or credit scorecard development rather than generic banking risk experience.
Confirm your OPT STEM extension eligibility early
Credit risk and financial engineering roles often qualify under STEM OPT if your degree is in statistics, applied math, or a related CIP code. Verify your degree classification with your DSO before accepting an offer, since Affirm typically expects a gap-free start date.
Target roles that align with H-1B specialty occupation criteria
Affirm's Credit Risk Analyst postings routinely require a bachelor's or higher in a quantitative discipline. This degree-job field alignment is exactly what USCIS evaluates for specialty occupation approval, so document that connection explicitly in your petition materials.
Ask about sponsorship scope during the offer stage
Affirm sponsors multiple visa categories for risk roles, but internal policies on TN versus H-1B routing can differ by team. Clarify with the recruiter whether your offer supports H-1B filing, PERM-based Green Card sponsorship, or both, before signing.
Search Affirm Credit Risk Analyst openings through Migrate Mate
Filter by visa type to surface Affirm postings confirmed for sponsorship. Migrate Mate surfaces roles by sponsorship category, so you can distinguish H-1B-eligible positions from OPT-only listings before you invest time applying.
Prepare a compliance-aware portfolio before interviews
Affirm operates under CFPB oversight, so analysts who demonstrate familiarity with fair lending requirements and model risk governance stand out. Document any experience with adverse action notices, Regulation B, or model validation in your interview preparation.
Credit Risk Analyst at Affirm jobs are hiring across the US. Find yours.
Find Credit Risk Analyst at Affirm JobsFrequently Asked Questions
Does Affirm sponsor H-1B visas for Credit Risk Analysts?
Yes. Affirm has a documented history of sponsoring H-1B visas for quantitative and analytical roles, including Credit Risk Analysts. Because this role typically requires a degree in a specific field like statistics, mathematics, or economics, it generally satisfies the USCIS specialty occupation standard. Sponsorship availability can vary by team and hiring cycle, so confirm directly with your recruiter during the offer stage.
Which visa types are commonly used for Credit Risk Analyst roles at Affirm?
H-1B is the most common pathway for Credit Risk Analysts at Affirm, particularly for candidates transitioning off F-1 OPT or STEM OPT. Affirm also supports TN status for Canadian and Mexican nationals in qualifying analytical roles, and sponsors PERM-based Green Card filings for longer-tenured employees. F-1 CPT is occasionally used for internship or co-op Credit Risk positions.
How do I apply for Credit Risk Analyst jobs at Affirm?
You can browse and apply for Credit Risk Analyst openings at Affirm directly through Migrate Mate, which surfaces roles filtered by visa sponsorship type so you can identify positions confirmed for H-1B or other sponsorship before applying. Affirm's risk team interviews typically involve a SQL or Python technical screen, a credit case study, and a behavioral round with a hiring manager from the risk or data science org.
What qualifications does Affirm look for in Credit Risk Analyst candidates?
Affirm's Credit Risk Analyst roles typically require a bachelor's or master's degree in a quantitative field such as statistics, economics, mathematics, or financial engineering. Hands-on experience with credit loss modeling, cohort analysis, or machine learning-based underwriting is strongly preferred. Familiarity with SQL, Python, or R is expected, and experience in consumer lending or fintech is a practical differentiator over traditional bank backgrounds.
How do I time my H-1B application if I'm on OPT and targeting Affirm?
H-1B cap filings open in March for an October 1 start date. If you're on F-1 OPT and receive an Affirm offer, your employer must file your H-1B petition during the March registration window. STEM OPT can extend your work authorization up to 36 months beyond your initial OPT period, giving you up to three filing windows if needed. Coordinate your offer timing and OPT expiration date with Affirm's HR team well in advance.
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