Lead Analyst Jobs at Affirm with Visa Sponsorship
Affirm hires Lead Analysts to drive data-informed decisions across its buy-now-pay-later platform, with roles spanning credit risk, fraud analytics, and financial modeling. The company has a consistent track record of sponsoring international talent for analyst-level positions across multiple visa categories.
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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 Risk & Analytics team makes crucial decisions that direct Affirm's business strategy. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently.
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.
The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels.
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 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.
BASIC QUALIFICATIONS
- Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 2+ years of experience (or equivalent senior-level experience)
- SQL, Python, or other scripting languages
- Data mining, data visualization, and statistical modeling
- Applying machine learning techniques to credit risk management
- Leveraging advanced analytics to develop and optimize credit strategies
- Monitoring and interpreting model performance metrics across portfolios
- Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives.
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.
- Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.
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: $145,000 - $205,000
USA base pay range (all other U.S. states) per year: $128,000 - $188,000
WORK ARRANGEMENT
LI-Remote
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.
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 Risk & Analytics team makes crucial decisions that direct Affirm's business strategy. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently.
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.
The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels.
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 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.
BASIC QUALIFICATIONS
- Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 2+ years of experience (or equivalent senior-level experience)
- SQL, Python, or other scripting languages
- Data mining, data visualization, and statistical modeling
- Applying machine learning techniques to credit risk management
- Leveraging advanced analytics to develop and optimize credit strategies
- Monitoring and interpreting model performance metrics across portfolios
- Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives.
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.
- Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.
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: $145,000 - $205,000
USA base pay range (all other U.S. states) per year: $128,000 - $188,000
WORK ARRANGEMENT
LI-Remote
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.
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 33+ Lead Analyst Jobs at Affirm
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Lead Analyst Jobs at Affirm.
Get Access To All JobsTips for Finding Lead Analyst Jobs at Affirm
Frame your portfolio around fintech credit analytics
Affirm's Lead Analyst roles sit at the intersection of consumer lending and real-time data. Prepare work samples that show experience with credit risk modeling, loss forecasting, or fraud detection, not generic business intelligence work.
Target roles aligned with your visa category
Affirm sponsors H-1B, TN, and F-1 OPT across analyst functions, but the petition language matters. If you're on OPT, confirm your role qualifies as a specialty occupation before your 60-day grace period creates timeline pressure.
Clarify sponsorship intent during the recruiter screen
Ask directly whether the specific Lead Analyst team has sponsored visa petitions before, not just whether Affirm sponsors generally. Teams within fintech companies vary in their willingness to absorb PERM timelines for senior individual contributor roles.
Use Migrate Mate to filter verified Lead Analyst openings
Search Migrate Mate to surface active Lead Analyst positions at Affirm filtered by visa type. This saves time identifying which roles are open to sponsored candidates versus those restricted to existing work authorization only.
Align your offer timeline with the H-1B cap calendar
If you need cap-subject H-1B sponsorship, USCIS registration opens in March with an October 1 start date. Structure your Affirm offer negotiation to account for this window, since a late offer can push your start date an entire fiscal year.
Understand how PERM affects senior analyst promotions
For EB-2 or EB-3 green card sponsorship, DOL's PERM process requires Affirm to document that no qualified U.S. worker was available at the time of filing. Starting PERM early matters most if your priority date will be subject to per-country backlogs.
Frequently Asked Questions
Does Affirm sponsor H-1B visas for Lead Analysts?
Yes, Affirm sponsors H-1B visas for Lead Analyst roles. The company has an active sponsorship history for analyst functions in its risk, fraud, and financial modeling teams. If you need a cap-subject H-1B, your offer timeline needs to align with the USCIS registration period in March. Cap-exempt scenarios, such as transferring an existing H-1B, move faster and aren't bound to that calendar.
How do I apply for Lead Analyst jobs at Affirm?
Apply directly through Affirm's careers page or browse verified openings filtered by visa sponsorship on Migrate Mate. Lead Analyst roles at Affirm are posted across multiple teams, including credit risk, fraud, and product analytics. Tailoring your application to highlight quantitative modeling experience in consumer lending or payments significantly strengthens your candidacy for these positions.
Which visa types does Affirm commonly use for Lead Analyst roles?
Affirm sponsors H-1B, F-1 OPT, F-1 CPT, TN visa, and EB-2 or EB-3 Green Card pathways for Lead Analyst positions. F-1 OPT is common for recent graduates entering the role, while H-1B is the standard long-term work authorization path. TN visa eligibility applies to Canadian and Mexican nationals in qualifying analytical occupations. Green Card sponsorship through PERM is available for candidates in longer-tenure tracks.
What qualifications does Affirm expect for Lead Analyst candidates?
Affirm's Lead Analyst roles typically require a bachelor's or master's degree in a quantitative field such as statistics, economics, mathematics, or computer science. Hands-on experience with SQL, Python, and statistical modeling is expected, not optional. Familiarity with consumer credit, fraud risk frameworks, or financial product analytics gives candidates a material advantage. The lead designation also implies the ability to scope and own analytical workstreams independently.
How do I time my job search if I need H-1B sponsorship for an Affirm role?
If you need a new cap-subject H-1B, begin your Affirm job search by December or January to secure an offer before the USCIS registration window closes in late March. If you're transferring an existing H-1B to Affirm, the process is faster and can begin at any point in the year. OPT students should factor in OPT expiration dates when negotiating start dates to avoid gaps in work authorization.