Analyst II, Full Stack (Fraud Analytics)

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 is responsible for analyzing, developing and optimizing affirm’s online fraud decisioning strategy. The team works cross‑functionally with Product, Engineering, Operations, and Finance teams to define and ensure accurate execution of the fraud strategy to effectively prevent fraud losses. This role requires extensive use of data analytics to derive insights and develop/update fraud strategies, collaborating with cross‑functional partners. A full‑stack analyst works with the product teams to develop new fraud features, with the engineering team to launch online experiments to test the performance of new features, with the operations team to execute risk and resolution strategies, and with the finance team to facilitate discussions on portfolio performance and loss forecasting. 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. What You’ll Do Proactively explore data and identify opportunities to help accelerate product development or improve existing products in Trust and Safety, and drive the analytical work of online experiments to optimise the existing strategies to achieve better conversion rates. Translate analysis and trends into recommendations for business logic to improve identity and fraud conversion rates or fraud rates. Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning models. Evaluate innovative data sources to solve fraud risk, and partner with the data engineering team to develop and maintain data pipelines for our core datasets for analytical purposes. Own end‑to‑end analytics workflow, including defining success and performance metrics, socialising them across the organisation, and creating actionable dashboards and reports. Partner with Machine Learning on building fraud and identity verification strategies for new product, market, and user segments. Partner closely with Product and Engineering to identify highest‑impact points in the funnel to drive user acquisition and retention. What We Look For 2–4 years work experience in customer risk management at a payments or financial company. Fluent in SQL and Python. A team player with ability to collaborate and influence across different teams in the organisation. Ability to clearly communicate findings and recommendations to both technical and non‑technical audiences. Passion to understand how the product works and how to change to make it more effective. Strong time‑management skills and ability to manage multiple projects and priorities. Able to thrive in a fast‑paced environment and be responsive and available during high‑intensity moments. Bachelor’s or Master’s degree in a quantitatively rigorous discipline such as engineering, statistics, math, or economics desired. Knowledge of the fundamentals of payment processing and understanding of industry risk trends, including familiarity with risk strategy development. Pay Grade – K Equity Grade – 6 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 can be performed from anywhere within the country of employment. Benefits Health care coverage – affirm covers all premiums for all levels of coverage for you and your dependents. Flexible Spending Wallets – generous stipends for technology, food, lifestyle needs, and family‑forming expenses. Time off – competitive vacation and holiday schedules 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, and we are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. 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. Affirm is an equal opportunity employer and considers qualified applicants with arrest and conviction records under the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance. #J-18808-Ljbffr Affirm