Job Description

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.

We\'re looking for a smart, driven individual to join our Quantitative Markets team. The team is responsible for structuring and pricing Affirm\'s debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of Affirm\'s consumer loans. The ideal candidate will have experience in structuring asset-backed transactions, working with rating agencies, and building quantitative models. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills.

What you\'ll do

Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions

Develop and enhance capital structuring and pricing models tailored to Affirm\'s consumer loan portfolio to enable efficient deal execution

Build quantitative models to analyze and predict the performance of Affirm\'s consumer loans

Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing

Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product, and business decisions

What we look for

5+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models

Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners

Experience with SQL, Python, or other scripting languages

Strong interpersonal and communication skills, and ability to collaborate and influence across different teams in the organization

A proactive leader that can seek out new opportunities, drive projects, navigate ambiguity and develop creative solutions with minimal guidance

Desire to understand the broader context of business decisions

LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We have a simple and transparent remote-first grade-based compensation structure. Offer amounts within the range are based on a number of factors including but not limited to job-related skills, experience, and relevant education or training. Across the broader organization, certain roles are eligible for equity awards upon hire, promotion, tenure milestones and for performance.

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

We believe It\'s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

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