Merchant Risk Analyst

As a company that offers clear and transparent financing to consumers, we are extremely attentive to ensuring that our merchant partnerships are successful for Affirm, our merchants, and most importantly our customers.As a Merchant Risk Analyst in Affirm s Credit team, you will lead ourefforts in risk assessment, monitoring, and mitigation of various types of merchant portfolio risk for our core lending products. Our merchant partners encompass a variety of industries and business models, ranging from smaller VC-backed e-commerce startups to multibillion dollar publicly-traded enterprises. What You'll DoDeal Underwriting: Use business credit reports, financial statements, investigative research tools, and financial market data to conduct financial and non-financial risk assessment of Affirm s merchants as they are prospected, signed and onboarded by Affirm s Sales and Account Management teams Portfolio Monitoring: Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchant in order to detect changes and anomalies from expected performance Project Management: Work with Affirm s Credit and Account Management teams to implement appropriate risk management strategies for complex or high risk exposure situations before they become major loss events Business Process Optimization: Work cross-functionally with our FP&A, Risk, Legal, Compliance, and Operations teams to design and document processes, controls, and procedures to streamline operations and manage Affirm s merchant risk exposure What We Look ForThe ideal candidate has 3-5 years experience in Merchant/Seller Risk, Credit Risk, and/or Underwriting at a high-growth Payments or E-Commerce company. Experience managing a small team is a plus BA/BS degree in a quantitative discipline or equivalent experience Analytical Skillset: Comfortable using SQL, Python, and MS Excel for building shell scripting tools, conducting recurring and ad-hoc analyses of large data sets, and presenting your findings to others Ownership Mentality and Judgment: Consistently demonstrate appropriate follow-up action in the event of risk identification; demonstrate a sense of accountability, urgency, and execution of risk mitigation until complete resolution Structured and Organized: Ability to apply sound rationale in making complex risk decisions in an ambiguous and fast-paced environment; applies a curious and critical approach for investigation of financial and non-financial risk Communication Skills: Ability to communicate points of view on complex and challenging topics professionally with supporting rationale; ability to communicate complex and sensitive information to cross-functional stakeholders with appropriate clarity and discretion At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable cheaper, friendlier and more transparent financial products and services that improve lives. We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn t have to be this way, and it s our mission to fix this problem. We are based in San Francisco; founded by Max Levchin (founding CTO of PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.