Analyst II, Credit

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.

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!

 

What you’ll do

• Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants

• Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants

• Investigate and use new sources of third party data to assess merchant financial risk

• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants

• Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

 

What we look for

• 3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting

• Experience working with cross functional partners across the organization, especially Sales and Business Development teams

• Experience reviewing financial documents, business credit reports and payment processor statements

• Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution
  
  
  

Compensation & Benefits

Base Pay Grade - G

Equity Grade - 3

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.

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.)

Base pay range per year: £66,000 - £76,000 

Location: UK Remote

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