{"absolute_url":"https://job-boards.greenhouse.io/affirm/jobs/7832318003","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":false}],"internal_job_id":5807499003,"location":{"name":"Remote UK"},"metadata":[{"id":4128552003,"name":"External Department","value":"Risk \u0026 Analytics","value_type":"single_select"},{"id":28890347003,"name":"PERM Job?","value":false,"value_type":"yes_no"}],"id":7832318003,"updated_at":"2026-09-07T10:40:17-04:00","requisition_id":"JR104221","title":"Analyst II, Credit","company_name":"Affirm","first_published":"2026-09-07T10:40:17-04:00","language":"en","application_deadline":null,"content":"\u0026lt;div class=\u0026quot;content-intro\u0026quot;\u0026gt;\u0026lt;p\u0026gt;At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.\u0026lt;/p\u0026gt;\u0026lt;/div\u0026gt;\u0026lt;p data-pm-slice=\u0026quot;1 3 []\u0026quot;\u0026gt;As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk – brand, reputational, legal and compliance risk.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;What you’ll do\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Investigate and use new sources of third party data to assess merchant financial risk\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;What we look for\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Experience working with cross functional partners across the organization, especially Sales and Business Development teams\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Experience reviewing financial documents, business credit reports and payment processor statements\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;\n\u0026lt;p\u0026gt;Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;Compensation \u0026amp;amp; Benefits\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;Base Pay Grade - G\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Equity Grade - 3\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidised medical coverage, dental and vision for you and your dependents.)\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Base pay range per year: £66,000 - £76,000\u0026amp;nbsp;\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;Location: UK Remote\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;\u0026amp;nbsp;#LI-Remote\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\u0026lt;div class=\u0026quot;content-conclusion\u0026quot;\u0026gt;\u0026lt;div\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Remote-first with flexibility built in\u0026lt;/strong\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/strong\u0026gt;Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Benefits designed for you\u0026lt;/strong\u0026gt;\u0026lt;strong\u0026gt;\u0026lt;br\u0026gt;\u0026lt;/strong\u0026gt;Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:\u0026lt;/p\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;Health coverage at no cost: We cover 100% of premiums for employees and their dependents.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;p\u0026gt;We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.\u0026lt;/p\u0026gt;\n\u0026lt;p\u0026gt;For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;p\u0026gt;By clicking \u0026quot;Submit Application,\u0026quot; you acknowledge that you have read Affirm\u0026#39;s\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://www.affirm.com/global-candidate-privacy-notice\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Global Candidate Privacy Notice\u0026lt;/a\u0026gt; and consent to the use of your personal information as described.\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\u0026lt;/div\u0026gt;","departments":[{"id":4080026003,"name":"Core Analytics","child_ids":[],"parent_id":4005052003}],"offices":[{"id":4031888003,"name":"Remote UK","location":null,"child_ids":[],"parent_id":4025301003}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":null}