Director, Credit Job at Affirm, Inc. in San Francisco, CA

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 an experienced leader to lead Credit for our Core Point o
Sale business, reporting to the Head of Risk.

We are looking for someone who is oriented to enable sustainable growth while
closely managing the profitability and resilience of our portfolio. As Affirm
continues on an exciting growth trajectory; thinking through credit policies
for new initiatives and products, shaping ongoing testing and experimentation,
and being ready for navigating through any exogenous changes will be important
problems to tackle.

This leader will need to be a deft influencer. Working with the Machine
Learning team to develop new underwriting models, with the Product teams to
develop new products and features, with the Pricing team to customize merchant
pricing, with the Capital Markets team to help facilitate discussions with debt
and equity investors, will all be components of the role.

A critical leadership role in the company, the impact of this person will be
instrumental in helping Affirm achieve its mission of helping millions of
people improve their financial lives, while creating a robust financial

Come join us in our mission to change consumer finance through better
technology, lower costs, and increased transparency while providing the best
customer experience.

What you’ll do

  • Design and develop new credit, pricing, limit setting policies for our

Core Point-of-Sale product

  • Work with Risk Engineering and Machine Learning teams to continue to

improve our underwriting and modeling frameworks

  • Work with Product teams on innovative ways we could change the product to

improve unit economics

  • Develop a robust valuations and monitoring infrastructure
  • Leverage this valuations ownership to come up with insights on how to

think about economics of the business

  • Forecast losses and delinquencies. Work with Finance on allowance


  • Monitor macroeconomic trends impacting loan performance and drive

adjustments to our underwriting and marketing strategies to mitigate risk

  • Develop and grow a high-performing team of analysts on how to manage

credit for the business

  • You will work cross-functionally with various teams – Applied ML,

Product, Engineering, Fraud, Capital, Pricing, Legal/Compliance and
Commercial teams
What we look for

  • Passion and drive to change banking, payments and online marketing for

the better

  • 8-10 years work experience in consumer credit risk management
  • Experienced people manager with demonstrated ability to develop and lead

large teams

  • Curiosity to learn about data, models and algorithms
  • Intelligence + Humility. Hubris is the fastest way to blow up a bank!
  • Ability to collaborate and influence across different teams in the


  • Bachelor s or Master s degree degree in a quantitatively rigorou

discipline like engineering, statistics desired

  • Proficiency with SQL preferred. Experience with Python, or other

statistical scripting languages a plus

If you got to this point, we hope you’re feeling excited about the job
description you just read. Even if you don’t feel that you meet every single
requirement, we still encourage you to apply. We’re eager to meet people that
believe in Affirm’s mission and can contribute to our team in a variety of ways
not just candidates who check all the boxes.

At Affirm, “People Come First” is a core value and that s why diversity and
inclusion are vital to our priorities as an equal opportunity employer. You can
read about our D&I program here and our progress thus far in our 2019 D&I
report .

We also consider qualified applicants with arrest and conviction records for
positions in accordance with applicable laws, including the San Francisco Fair
Chance Ordinance.

By clicking “Apply for this job,” I acknowledge that I have read the Affirm
Employment Privacy Policy , and hereby consent to the collection, processing,
use, and storage of my personal information as described therein.
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About Company

Company: Affirm, Inc.

Company Location:  San Francisco, CA

About Affirm, Inc.