Senior Merchant Risk Analyst Credit at Affirm

As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk - brand, reputational, legal and compliance risk.

The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!

What you'll do

• Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants
• Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants
• Investigate and use new sources of third party data to assess merchant financial risk
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants
• Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

What we look for

• 3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting
• Experience working with cross functional partners across the organization, especially Sales and Business Development teams
• Experience reviewing financial documents, business credit reports and payment processor statements
• Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution