Analyst I, Merchant Risk - Remote

Overview

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 Merchant Risk Analytics team works cross-functionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring. We're looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems.

In Short

• Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows.
• Detect and monitor fraud across the network, responding quickly to emerging risks.
• Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting.
• Assist in identifying gaps and opportunities within existing risk processes.
• Partner cross-functionally to translate risk requirements into data-driven strategies.
• Leverage AI-assisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions.

Requirements

• Minimum 1 year of experience in risk management or a related field, including prior experience with analytics.
• Strong problem-solving skills with the ability to break down ambiguous problems using data.
• Ability to think creatively and critically, thriving in a fast-paced environment.
• Eagerness to explore new tools and methodologies to solve real-world problems.
• Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks.
• Passion for understanding how the product works and the broader context of business decisions.
• Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems.
• Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics.

Benefits

• 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.
• Competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• An employee stock purchase plan enabling you to buy shares of Affirm at a discount.