Analyst II, Full Stack

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. The Backbook Risk Analytics team partners closely with Credit, Product, Engineering, Operations, and Compliance to define and execute the Backbook Risk strategy, ensuring portfolio outcomes remain within risk appetite. The Backbook Risk & Program Management Analyst will lead the strategy, analytics, and operational design of UK backbook risk programs— collections, vulnerable customer management, and hardship support. The role will collaborate with Product on new features, with Machine Learning and Engineering to build risk capabilities, and with Resolutions teams to implement risk mitigation and customer outcome strategies. The analyst will be responsible for monitoring portfolio performance, identifying emerging risks, designing interventions to reduce delinquency and losses, and ensuring compliance with FCA requirements such as CONC and Consumer Duty. The ideal candidate will have a combination of strong analytical expertise with a deep understanding of consumer credit behaviour, and ability to improve collections and customer outcomes through data-driven insights, operational design, and cross-functional stakeholder management. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience. What you'll do Develop and maintain a comprehensive backbook risk framework, covering delinquency, roll rates, collections performance, hardship cases, and vulnerability indicators to ensure robust risk monitoring and early detection of emerging risks. Lead portfolio performance analytics and targeted risk mitigation, including monitoring delinquency trends, conducting segmentation and vintage analysis, diagnosing root causes, and recommending interventions to improve customer outcomes and reduce losses. Drive cross-functional optimisation of risk capabilities by partnering with Credit, Product, Data Science, Engineering, Servicing, and Operations to enhance collections strategy, and the design and execution of hardship and vulnerable-customer programs. Build and own the analytical framework for collections and repayments, including dashboards, KPIs, forecasting models, A/B experiment frameworks, and profitability analysis, leveraging advanced analytics and alternative data to solve complex credit and segmentation challenges. Enhance international backbook oversight and strategic alignment, establishing cross-market KPIs, strengthening repayments monitoring, and tailoring risk strategies based on analytical insights to support Affirm’s global expansion. What we look for 3-5+ years in credit risk, collections, analytics in consumer lending. Experience in designing or optimising collections strategies and hardship programs. Very strong analytical background with proficiency in SQL, Python or other scripting languages Demonstrated ability to interpret credit performance data and drive actions. Knowledge of credit reporting, affordability, and delinquency management practices. Strong understanding of Consumer Duty / CONC / NCCP, hardship regulations, or equivalent. Excellent cross-functional communication and stakeholder management. Ability to collaborate and influence across different teams in the organization Ability to communicate findings and recommendations clearly to both technical and non-technical audiences A passion for finding insights in data and driving change based on those insights Intelligence + Humility. Hubris is the fastest way to blow up a business! Compensation & Benefits Pay Grade - K 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 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). GBR base pay range per year: £86,000 - £126,000 Location - Remote UK #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’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. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.