Sr. Fraud Analyst

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. Affirm proudly includes Returnly.  The Fraud Strategy & Analytics team works cross-functionally with Machine Learning, Product, Engineering, and Operations to combat fraudulent activities and to foster a safe platform. This role requires a lot of cross-functional partnerships and will be leading Analytics for Affirm's Online live decisioning identity and fraud services. Additionally, this role will work closely with the Machine Learning teams to improve our ML fraud models. What you'll do Proactively explore data and identify opportunities to help accelerate product development or improve existing products Translate analysis and trends into recommendations for business logic to improve identity conversion rates or fraud rates Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning models Evaluate innovative data sources to solve individual identity risk, device risk and transaction risk  Own end-to-end analytics workflow, including defining success and performance metrics, socializing them across the organization, and creating actionable dashboards and reports Partner with Machine Learning on building fraud and identity verification strategies for new product and user segments Partner closely with Product and Engineering to identify highest impact points in the funnel to drive user acquisition and retention Support new product formation and new vertical exploration What we look for 2-4 years work experience in fraud/identity or credit at a payments or financial company Fluent in SQL, Experience with Python or R Bachelor’s or Master’s degree degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics desired Knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development A team player with ability to collaborate and influence across different teams in the organization Ability to clearly communicate findings and recommendations to both technical and non-technical audiences Passion to understand how the product works and how to change to make it more effective Strong time management skills and the ability to manage multiple projects and priorities USA Pacific base pay range (CA, WA, NY, NJ, CT): $138,800 - $208,200 USA Sapphire base pay range (all other U.S. states): $124,900 - $187,300   #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 hire. 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. By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.