Analyst II, Credit

<div class="content-intro"><p>At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.</p></div><p data-pm-slice="1 3 []">As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk – brand, reputational, legal and compliance risk.</p> <p>The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!</p> <p> </p> <p><strong>What you’ll do</strong></p> <ul> <li> <p>Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants</p> </li> <li> <p>Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants</p> </li> <li> <p>Investigate and use new sources of third party data to assess merchant financial risk</p> </li> <li> <p>Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants</p> </li> <li> <p>Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation</p> </li> </ul> <p> </p> <p><strong>What we look for</strong></p> <ul> <li> <p>3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting</p> </li> <li> <p>Experience working with cross functional partners across the organization, especially Sales and Business Development teams</p> </li> <li> <p>Experience reviewing financial documents, business credit reports and payment processor statements</p> </li> <li> <p>Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution<br><br><br></p> </li> </ul> <h3><strong>Compensation &amp; Benefits</strong></h3> <p>Base Pay Grade - G</p> <p>Equity Grade - 3</p> <p>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 lo