Analyst II, Credit

Affirm
United Kingdom
Workplace: RemoteFull timeGBP 66,000 - 76,000 annuallyFunction: Banking, Lending & CreditExperience: 3+ yearsSkills: ["Ownership","Accountability","Urgency","Execution","Cross-functional collaboration"]

Assess financial and non-financial risk for Affirm merchants, determining credit exposure risk for new and existing accounts. Use business credit reports, investigative research tools, and financial/market data to evaluate merchant financial risk and identify fraud, brand, reputational, and compliance risks. Monitor credit, fraud, and chargeback/dispute trends, and help drive business improvements and automation in merchant risk evaluation. Collaborate with cross-functional teams, especially Sales and Business Development.

Loading

Loading job details...

Preparing the role view and application actions.

FursaFursa
Affirm
Affirm
2 days ago

Analyst II, Credit

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI
Last checked: 5 hours agoStatus: Live

Job Summary

Assess financial and non-financial risk for Affirm merchants, determining credit exposure risk for new and existing accounts. Use business credit reports, investigative research tools, and financial/market data to evaluate merchant financial risk and identify fraud, brand, reputational, and compliance risks. Monitor credit, fraud, and chargeback/dispute trends, and help drive business improvements and automation in merchant risk evaluation. Collaborate with cross-functional teams, especially Sales and Business Development.
Location: United Kingdom
Workplace: Remote
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Assess brand, compliance, fraud, and financial risk to determine credit exposure risk for new and existing merchants.
  • •Conduct risk assessments using business credit reports, financial documents, investigative research tools, and financial market data.
  • •Investigate and use new sources of third-party data to evaluate merchant financial risk.
  • •Monitor credit, fraud, and dispute/chargeback trends for merchants on an ongoing basis.
  • •Support automation and improvements to merchant risk evaluation using your domain knowledge.

Pay and Benefits

Salary: GBP 66,000 - 76,000 annually
Equity and Bonus:Equity
Perks:Health InsuranceDentalVisionEsppRemote Work

Key Requirements

  • •3+ years of experience assessing merchant risk in areas such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting.
  • •Knowledge or experience in e-commerce underwriting and/or commercial lending.
  • •Experience reviewing financial documents, business credit reports, and payment processor statements.
  • •Solid understanding of evaluating merchant financial risk using 3rd party data, credit reports, and merchant attributes.
  • •Experience partnering cross-functionally, especially with Sales and Business Development teams.
Experience:3+ yearsE-commerce underwritingCommercial lendingPaymentsLendingFraudBanking
Skills:OwnershipAccountabilityUrgencyExecutionCross-functional collaboration
Languages:English

Company Brief

Affirm
Provides point-of-sale lending and buy-now-pay-later (BNPL) solutions for consumers and merchants, enabling installment payments, consumer financing, and embedded financial services through APIs and partnerships with retailers and platforms.
Industry: Lending
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: San Francisco, United States
Founded: 2012
WebsiteLinkedIn