Analyst I, Merchant Risk

Affirm is reinventing credit to make it more honest and friendly, and they are seeking an Analyst I for their Merchant Risk Analytics team. This role involves supporting merchant onboarding and ongoing monitoring through data analysis, modeling, and automation workflows while collaborating with cross-functional partners to enhance risk management processes.

Responsibilities

• Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows
• Detect and monitor fraud across the network, responding quickly to emerging risks
• Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting
• Assist in identifying gaps and opportunities within existing risk processes
• Partner cross-functionally to translate risk requirements into data-driven strategies
• Leverage AI-assisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions

Skills

• Minimum 1 year of experience in risk management or a related field, including prior experience with analytics
• Strong problem-solving skills with the ability to break down ambiguous problems using data
• Ability to think creatively and critically, thriving in a fast-paced environment
• Eagerness to explore new tools and methodologies to solve real-world problems
• Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks
• Passion for understanding how the product works and the broader context of business decisions
• Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems
• Bachelor's degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics

Benefits

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

Company Overview

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