Analyst I, Merchant Risk
Affirm
Job Overview
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Job Description
About Affirm and the Merchant Risk Analytics Team
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 Merchant Risk Analytics team works cross-functionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring.
We are seeking an intelligent, driven individual who wants to learn, grow, and solve challenging problems within merchant risk.
Role Overview
This Analyst I, Merchant Risk role requires strong analytical foundations and a willingness to operate across the full merchant risk lifecycle, from onboarding to ongoing monitoring and risk expansion. You will support the development and maintenance of scalable analytics, modeling, automation, and monitoring frameworks as Affirm’s merchant footprint grows. The role emphasizes hands-on execution, learning, and ownership of core analyses and model-driven workflows, while collaborating closely with cross-functional partners.
What You'll Do
- 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.
What We Look For
- Experience: Minimum 1 year of experience in risk management or a related field, including prior experience with analytics.
- Analytical Thinking: Strong problem-solving skills with the ability to break down ambiguous problems using data.
- Resiliency: Ability to think creatively and critically, thriving in a fast-paced environment.
- Curiosity: Eagerness to explore new tools and methodologies to solve real-world problems.
- Technical Skills: Strong coding skills in Python, SQL, or other scripting languages; familiarity with agentic / LLM orchestration frameworks.
- Product Knowledge: Passion for understanding how the product works and the broader context of business decisions.
- AI Fluency: Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems.
- Education: Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics.
Key Skills/Competency
- Risk Management
- Data Analysis
- Fraud Detection
- SQL
- Python
- Machine Learning (AI/LLM)
- Analytics
- Monitoring Frameworks
- Cross-functional Collaboration
- Problem Solving
How to Get Hired at Affirm
- Research Affirm's culture: Study their mission, values, recent news, and employee testimonials on LinkedIn and Glassdoor.
- Tailor your resume for Analyst I, Merchant Risk: Highlight your experience in risk management, data analysis, fraud detection, and technical skills like SQL and Python, aligning with Affirm's requirements.
- Showcase analytical prowess: Prepare to discuss specific examples of how you've used data to solve ambiguous problems and contributed to scalable monitoring frameworks.
- Demonstrate AI fluency: Be ready to share your experience with AI tools, LLM orchestration, or agentic workflows, emphasizing productivity and problem-solving in risk.
- Prepare for a technical and behavioral interview: Practice coding challenges in SQL/Python and articulate how your curiosity and resilience align with Affirm's fast-paced environment.
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