Senior Manager, Credit Analytics in San Francisco, CA

$150K - $200K(Ladders Estimates)

Affirm   •  

San Francisco, CA 94102

Industry: Finance & Insurance


8 - 10 years

Posted 59 days ago

This job is no longer available.

Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience. We're looking for an experienced leader to take accountability of Credit for our Core Point of Sale business,reporting to the Head of Credit and Analytics.

We are looking for a leader who is oriented 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 leader will need to be a deft influencer. Working with the Data Science team to develop new underwriting models, with the Product teams to develop new products and features, with the Pricing team to customize merchant pricing, with the Capital Markets team to help facilitate discussions with debt and equity investors.

A critical leadership role in the company, the impact of this person will be instrumental in helping Affirm achieve its mission of helping millions of people improve their financial lives, while creating a robust financial institution.


  • Design and develop new credit, pricing, limit setting policies for our Core Point-of-Sale product
  • Work with Risk Engineering and Data Science teams to continue to improve our underwriting and modeling frameworks
  • Work with Product teams on innovative ways we could change the product to improve unit economics
  • Develop a robust valuations and monitoring infrastructure
  • Leverage this valuations ownership to come up with insights on how to think about economics of the business
  • Forecast losses and delinquencies. Work with Finance on allowance policies
  • Monitor macroeconomic trends impacting loan performance and drive adjustments to our underwriting and marketing strategies to mitigate risk
  • Develop and grow a high-performing team of analysts on how to manage credit for the business


  • Passion and drive to change banking, payments and online marketing for the better
  • 8-10 years' work experience in consumer credit risk management
  • Curiosity to learn about data, models and algorithms
  • Intelligence + Humility. Hubris is the fastest way to blow up a bank!
  • Ability to collaborate and influence across different teams in the organization
  • Grit. Lots of grit. You'll wear 7 hats and not love all of them

Valid Through: 2019-9-17