Note: The job is a remote job and is open to candidates in USA. Affirm is a financial technology company focused on providing clear and predictable ways for consumers to pay over time. The Analytics Lead, Deposit Fraud Risk will own fraud performance for depository products, build analytics and monitoring systems, optimize fraud strategies, and partner cross-functionally to improve fraud detection and customer experience.

Responsibilities

• Build and maintain scalable data models and transformation pipelines, using tools (such as DBT) to standardize depository product, transaction, customer, fraud, and operational data
• Define trusted fraud performance metrics and analytical datasets, including fraud loss rates, approval and decline rates, false-positive rates, customer friction, and operational efficiency
• Develop recurring dashboards, scorecards, and monitoring frameworks to provide clear visibility into fraud performance, portfolio health, and emerging risks
• Conduct deep-dive analyses to diagnose fraud losses, control gaps, false positives, portfolio shifts, and unexpected performance changes, translating findings into actionable recommendations
• Develop and optimize fraud rules, policies, thresholds, models, and decision strategies that balance loss prevention, customer experience, operational capacity, and product growth
• Evaluate new data sources and signals to improve detection of identity risk, account takeover, device risk, transaction risk, and other fraud typologies relevant to depository products
• Lead testing and performance measurement of fraud strategy changes, including rule launches, model updates, policy changes, and new product controls, with clear pre- and post-implementation evaluation
• Partner cross-functionally with Product, Engineering, Machine Learning, Data Engineering, Fraud Operations, and Risk to improve fraud strategies, strengthen operational feedback loops, and support new product launches

Skills

• 7+ years' of Analytics experience
• Passion to understand how Affirm product works and a curious mindset to help change and make it more effective
• Fluent in SQL and Python
• A team player with ability to collaborate and influence across many different teams in the organization
• Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
• Able to thrive in a fast-paced environment
• Strong time management skills and the ability to manage multiple projects and priorities
• Working knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with fraud strategy development
• Visa sponsorship is not available for this position

Benefits

• Equity rewards may be included in the total compensation package.
• Monthly stipends for health, wellness and tech spending.
• 100% subsidized medical coverage for employees and their dependents.
• Dental and vision coverage for employees and their dependents.
• Remote-first work with flexibility built in.
• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP) lets employees buy Affirm stock at a discount.

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