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 are seeking a seasoned Credit Strategy Leader to drive the evolution of Affirm’s credit decisioning capabilities across international markets and help shape the long-term direction of our underwriting, portfolio performance, and regulatory alignment. This role will lead high-impact initiatives across products and geographies, partnering closely with Engineering, Product, Legal, and Compliance to design scalable, compliant credit systems that effectively balance growth, customer experience, and risk management.
The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels.
This is a unique opportunity to shape the next generation of Affirm’s credit models and policies for international expansion making a meaningful, lasting impact within a fast-growing FinTech company committed to redefining responsible consumer lending.
What You’ll Do
Leverage advanced data analytics to derive insights and optimise credit strategies across products and geographies.
Partner with Engineering to design and build scalable risk models and credit risk capabilities.
Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk.
Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations.
Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships
Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals.
Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations.
Provide mentorship and guidance to a team of credit analysts, fostering skill development and thought leadership in credit strategy and regulatory awareness.
Manage team resources, priorities, and workload distribution, ensuring alignment with company goals and timely delivery of initiatives.
May supervise direct reports.
What we look for
Master’s degree (or foreign equivalent) in Data Science, Computer Science, Engineering, Economics, or a related field, and 3+ years of experience (or equivalent senior-level experience)
SQL, Python, or other scripting languages
Data mining, data visualisation, and statistical modeling
Applying machine learning techniques to credit risk management
Leveraging advanced analytics to develop and optimise credit strategies
Monitoring and interpreting model performance metrics across portfolios
Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives.
Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.
Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
Demonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scale.
Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.
Compensation & Benefits
Base Pay Grade - O
Equity Grade - 6
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 lifestyle 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).
NL base pay range per year: € 114 000 - € 154 000
Additional benefits include:
Flexible Spending Wallets for tech and lifestyle
Away Days - wellness days to take off work and recharge
Learning & Development programs
Parental benefits
Employee Resource Groups
Please note that visa sponsorship is not available for this position.
Location - Remote Netherlands
#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.
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