Merchant Risk Analyst

Merchant Risk Analyst at Affirm

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're looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems.

This 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.

Benefits

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• 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.

Key skills/competency

• Python
• SQL
• Risk Management
• Data Analysis
• Fraud Detection
• Modeling
• Automation
• LLM Orchestration
• Financial Services
• Cross-functional Collaboration