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 Fraud Strategy and Analytics team works cross-functionally with Machine Learning, Product, Engineering, and Operations to combat fraudulent activities and foster a safe platform for our users.
This role requires a lot of cross-functional partnership. This individual will be the Analytics point of contact to support the identity and fraud decisioning initiatives. Additionally, this role will work closely with the Machine Learning teams to enhance and make better use of the fraud models.
Come join us in our mission to deliver honest and transparent financial products that improve lives.
What You'll Do
- Proactively explore data and identify opportunities to improve identity and fraud prevention strategies.
- Translate analysis and trends into decisioning logic recommendations to improve identity and fraud conversion rates or reduce fraud losses.
- Own end-to-end analytics workflow, including finding the pain points, defining success metrics, socializing ideas across the organization, and monitoring the A/B test.
- Use DBT and Looker to monitor the performance of the identity and fraud decisioning systems.
- Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning models.
- Evaluate new external data sources to solve individual identity risk, device risk, and transaction risk.
- Partner with Machine Learning to build fraud strategies for new product and user segments.
What We Look For
- EXPERIENCE: 2-5 years work experience as a data analyst/data scientist in fraud/identity or credit risk at a FinTech company.
- TECHNICAL SKILLS: Must be highly proficient in SQL; Experience with Python or R and data visualization tools is a plus; Experience/knowledge with Machine Learning is a plus.
- PEOPLE SKILLS: A team player with the ability to collaborate and influence across different teams in the organization.
- COMMUNICATION: Ability to clearly communicate findings and recommendations to both technical and non-technical audiences.
- PRODUCT KNOWLEDGE: Passion to understand how the product works and how to change to make it more effective.
- MULTI-TASKING: Strong time management skills and the ability to manage multiple projects and priorities; Ability to thrive in a fast-paced environment and be responsive and available during high intensity moments.
- EDUCATION: Bachelor’s or Master’s degree in a quantitatively rigorous discipline like analytics, engineering, statistics, math, or economics.
- RISK KNOWLEDGE: Knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development.
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.
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