Risk Analyst Jobs at Affirm with Visa Sponsorship
Affirm hires Risk Analysts to build and refine credit risk models, monitor portfolio performance, and support underwriting decisions across its buy-now-pay-later platform. The company has a consistent track record of sponsoring work visas for this function, making it a realistic target if you need sponsorship.
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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 106+ Risk Analyst at Affirm jobs
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Get Access To All JobsTips for Finding Risk Analyst Jobs at Affirm Jobs
Frame your modeling skills for fintech credit risk
Affirm's risk team focuses on consumer credit underwriting and loss forecasting, not traditional bank risk. Tailor your resume to highlight experience with credit scoring models, machine learning for default prediction, or alternative data, not generic financial analysis.
Use Migrate Mate to filter verified Risk Analyst openings
Not every Affirm job listing signals sponsorship willingness clearly. Browse Risk Analyst roles at Affirm on Migrate Mate to surface positions with confirmed sponsorship history, so you apply where your profile actually has a realistic path forward.
Prepare for a structured technical interview process
Affirm's risk interviews typically include a take-home case study or SQL assessment focused on portfolio analysis. Practicing with real consumer lending datasets and being ready to walk through your model assumptions will separate you from candidates with purely academic backgrounds.
Ask about PERM timing before accepting an offer
If your goal is a Green Card through EB-2 or EB-3, ask Affirm's recruiting team early whether the role is eligible for PERM sponsorship and what the typical timeline looks like. DOL labor certification can take one to two years before you even file with USCIS.
Risk Analyst at Affirm jobs are hiring across the US. Find yours.
Find Risk Analyst at Affirm JobsFrequently Asked Questions
Does Affirm sponsor H-1B visas for Risk Analysts?
Yes, Affirm sponsors H-1B visas for Risk Analyst roles. The company has an established track record of supporting H-1B filings for its risk and analytics function. If you're currently on F-1 OPT or another status, Affirm's recruiting team can walk you through the sponsorship process during the offer stage. Confirming sponsorship eligibility for the specific role before you get deep into interviews is always a practical move.
How do I apply for Risk Analyst jobs at Affirm?
You can apply directly through Affirm's careers page or browse verified Risk Analyst openings on Migrate Mate, which filters for roles with confirmed sponsorship history. Affirm's hiring process for risk roles typically includes a recruiter screen, a technical assessment focused on SQL or statistical modeling, and a final round with the risk team. Tailoring your application to show consumer credit or fintech experience will strengthen your candidacy.
Which visa types does Affirm commonly sponsor for Risk Analysts?
Affirm sponsors H-1B, F-1 OPT, F-1 CPT, TN, and EB-2 or EB-3 Green Card pathways for Risk Analyst positions. TN visas are available to Canadian and Mexican nationals in qualifying occupations. F-1 CPT is typically used for internship roles rather than full-time analyst positions. For long-term employment, H-1B and eventual Green Card sponsorship through the EB-2 or EB-3 category are the most common paths.
What qualifications does Affirm expect for Risk Analyst roles?
Affirm typically looks for candidates with a bachelor's or master's degree in statistics, economics, mathematics, computer science, or a related quantitative field. Hands-on experience with SQL, Python, or R is standard, and familiarity with consumer credit models, loss forecasting, or risk monitoring in a fintech or financial services environment is a meaningful differentiator. Roles at the senior level often expect prior exposure to machine learning applications in credit underwriting.
How do I time my application to avoid gaps in work authorization?
If you're on F-1 STEM OPT, the critical date is the H-1B cap filing window, which opens April 1 for an October 1 start. You need an offer and a filed petition before your OPT expires. Affirm's HR team can initiate the H-1B petition process, but USCIS registration and lottery selection happen in March, so you need an offer well before that. Starting your job search at least six months before your OPT expires gives you a realistic window.
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