--- title: 'Analyst, Early Career (Full Stack) at Affirm' canonical: 'https://feeny.ai/job/analyst-early-career-full-stack-affirm-new-york-24edsafcdn8c' type: 'job' last_seen: '2026-10-25' --- # Analyst, Early Career (Full Stack) at Affirm - **Company:** Affirm - **Location:** New York, NY / San Francisco, CA - **Posted:** 2026-10-21 - **Last confirmed live:** 2026-10-25 - **Apply:** https://job-boards.greenhouse.io/affirm/jobs/8039471003 ## Job description 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. In our hybrid early career program, you’ll be paired with a tenured Affirmer and have an opportunity to collaborate in-person 3 days a week out of our New York City, or San Francisco offices. You'll experience the best of both worlds: the in-office experience and remote work. After the one-year, you can remain hybrid, go remote, or stay in an office. Opportunities are available across different tech stacks and teams so that you can find a perfect fit to launch your career with Affirm! About the Risk & Analytics Team: The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm’s business strategy. We partner with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow Affirm responsibly by optimizing approval, conversion, losses, and profitability. Operating across the entire customer and merchant lifecycle, we tackle a diverse array of challenges from optimizing checkout conversion and mitigating fraud risk, to building scalable data foundations and enabling international growth. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools, scalable data infrastructure, and analytical frameworks. We improve the analytics experience across Affirm by streamlining workflows and fostering a culture of learning and documentation. By taking ownership of the entire analytical lifecycle, from initial question to final business decision, we turn complex data and systems into clear, actionable signals that ensure Affirm grows efficiently and intelligently. Our Teams (Where You Might Sit): We are hiring multiple Early Career Analyst roles across Affirm's Risk & Analytics organization through this single job posting. Rather than interviewing for one specific team, candidates will go through a shared interview process designed to assess the core skills we look for across R&A. If selected, we will work with you to determine the best team match based on your interests, experience, strengths, and current business needs. You will have the opportunity to learn more about our teams and share your preferences as you move through the process. Potential team placements include: - Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel. - Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences. - Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience. - Core Analytics: Build the quantitative research, machine learning models,  performance monitoring, and scalable data foundations that enable fast, economically sound decisions. - Servicing and Payments: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency. - International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets. ## About the Role As an Early Career Analyst in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. While the specific problems you tackle will depend on your eventual team placement, all Analyst I roles share a common foundation: using data to understand business performance, identify opportunities, and help Affirm make better decisions. You will learn the fundamentals of consumer lending while executing scoped analytical work under the guidance of senior analysts and managers. You will leverage SQL, Python, and modern analytical tools to help optimize business strategies, monitor performance, and turn complex data into actionable insights. You are a thoughtful, driven individual eager to build a strong technical foundation, learn how to navigate exogenous market changes, and integrate modern AI tooling to solve hard problems efficiently. ## What You Will Do - Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies. - Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members. - Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models. - Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies. - Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite. - AI Fluency & Efficiency: Integrate AI tools (Cursor, Claude Code, copilots) into your daily workflows to accelerate data mining and routine tasks, holding the line on verifying outputs. ## What We Look For - Currently pursuing a Bachelor’s degree or higher with an expectation that you will complete your most recent full-time degree program by August 2027 or earlier; relevant internships or prior experience in the consumer lending, fintech, or broader financial services industry are highly valued. - Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math or a related quantitative field preferred. - Working knowledge of SQL, Python, or other scripting languages. - Familiarity with data mining, data visualization, and foundational statistical modeling. - Basic understanding or deep curiosity about consumer lending regulations, fair lending principles, and how machine learning techniques apply to real-world business problems. - Exceptional communication skills, humility, and the ability to collaborate effectively. Pay Grade - I Equity Grade - 5 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). USA base pay (CA or NY) per year: $115,000 Please note that visa sponsorship is not available for this position. #LI-Remote Remote-first with flexibility built in 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. ## Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights: - Health coverage at no cost: We cover 100% of premiums for employees and their dependents. - Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. - Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. - Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's [Global Candidate Privacy Notice](https://www.affirm.com/global-candidate-privacy-notice) and consent to the use of your personal information as described. ## About Affirm ## Company Overview - **One-liner**: Affirm is a financial technology company that offers transparent, flexible buy now, pay later (BNPL) installment loans, a debit card, and a savings account, enabling consumers to pay over time without hidden fees. - **Entity Type**: Public (NASDAQ: AFRM) - **Headquarters**: San Francisco, California, United States - **Founded**: 2012 - **Founders**: Max Levchin, Nathan Gettings, Jeffrey Kaditz, Alex Rampell ## Core Business - **Primary industry**: Financial services – point-of-sale lending, digital payments, consumer banking. - **Target customers**: B2C (consumers seeking flexible payment options) and B2B (merchants of all sizes, from SMBs to enterprise retailers). - **Mission or purpose statement**: To deliver honest financial products that improve lives, offering transparency with no late fees or hidden charges. ## Products & Services - **Adaptive Checkout**: An AI-powered checkout flow that optimizes payment options for each consumer. - **AdaptAI**: A suite of AI tools for merchants to personalize offers and manage risk. - **BoostAI**: An AI-driven feature that dynamically adjusts installment terms to increase approval rates. - **Split Pay**: A BNPL product that lets consumers split purchases into biweekly payments. - **Affirm Card**: A Visa debit card that allows cardholders to pay over time at any merchant that accepts Visa. - **Affirm Money Account**: A high-yield savings account and debit card, held with Cross River Bank, Member FDIC. ## Market Standing - **Valuation/Market Cap**: USD 5.17 billion (as of July 2026) - **Key Metric**: Annual Revenue – USD 3.22 billion (trailing twelve months as of Q3 FY2026). Total funding raised (including debt financing) – USD 9.57 billion. - **Notable Investors/Partners**: Partners include Bed Bath & Beyond, Royal Caribbean, Stripe (UK), Google, Costco, and Backcountry. Investors include Morgan Stanley, Sixth Street, and CPP Investments. - **Growth Signals**: Nearly 27 million active consumers, 515,000 active merchants, and over $46 billion in Gross Merchandise Volume (LTM as of March 31, 2026). Revenue grew to $3.22B, and the company achieved positive net income of $52M in FY2025. Headcount increased 1.1% YoY to 2,132 employees, with active job postings up 103.8% year-over-year. ## Competitive Advantages - **Transparency-first model**: No late fees, no compounding interest – a key differentiator in the BNPL space. - **Machine learning underwriting**: Proprietary risk models that evaluate each transaction in real-time, reducing defaults while maintaining high approval rates. - **Large merchant network**: 515,000+ active merchants, including major retailers, providing broad consumer reach. - **Integrated ecosystem**: The Affirm Card and Money Account create a sticky financial platform beyond just checkout loans. ## Strategic Focus - **International expansion**: Currently operating in the U.S., Canada, and the UK, with recent partnerships (e.g., Stripe in UK, Royal Caribbean in UK/Canada) signaling further global growth. - **AI & personalization**: Continued investment in AI tools (AdaptAI, BoostAI) to improve merchant conversion and consumer experience. - **Affirm Card growth**: Driving adoption of the card as a daily payment method, with 4.4 million card active consumers. - **Capital partnerships**: Renewing and expanding capital partnerships (e.g., CPP Investments) to fund loan origination. ## Why Work Here - **Remote-first culture**: Most roles are remote within the employee’s home country, with a simple, transparent compensation structure. - **Generous benefits**: 18 weeks of paid parental leave for birth and non-birth parents, plus a 4-week return-to-work transition at full pay. 20 company-wide paid days off (“Away Days”) to collectively recharge. Flexible time off, mental healthcare programs, and “spending wallets” for tech, food, lifestyle, and family planning. - **Learning & development**: Exciting learning programs to level up growth. - **Employee community**: Active employee resource groups and supportive communities. - **Compensation**: Transparent, flexible, remote-first structure. Example: Senior Software Engineer median salary ~$207,029/year. - **Workplace ratings**: 3.8/5 on LinkedIn (638 reviews), with compensation rated 4.4/5, culture 3.6/5, and work-life balance 3.6/5. - **Engineering culture**: Heavy technical team (29% of workforce in engineering/technical roles), with strong talent from PayPal, Amazon, Google, and Stripe. ## Sources 1. [affirm.com/careers](https://www.affirm.com/careers) 2. [linkedin.com/company/affirm](https://www.linkedin.com/company/affirm) 3. 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