Analytics Lead, Deposit Fraud Risk

Responsibilities

• This role will take charge of owning fraud performance for depository products, including monitoring fraud losses, approval rates, false positives, customer friction, and other key risk metrics

Data Pipeline, Analytics & Monitoring

• 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.

Fraud Strategy Building & Optimization

• 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.

Requirements

• EXPERIENCE - 7+ years’ of Analytics experience
• PRODUCT KNOWLEDGE - Passion to understand how Affirm product works and a curious mindset to help change and make it more effective

TECHNICAL SKILLS - Fluent in SQL and Python

• PEOPLE SKILLS - A team player with ability to collaborate and influence across many different teams in the organization
• COMMUNICATION - Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
• EXECUTION - Able to thrive in a fast-paced environment and be responsive and available during times of peak fraud activity
• MULTI-TASKING - Strong time management skills and the ability to manage multiple projects and priorities

What We Look For

• RISK KNOWLEDGE - Working knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with fraud strategy development
• We also encourage you to read our Chief Risk Officer’s views on what makes
• Credit Risk Managers influential and on a
• Modern Risk Management System

Base Pay Grade - M

• Equity Grade - USA 8
• 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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT)

$185,000 - $245,000

USA base pay range (all other U.S. states)

• $164,000 - $224,000
• Please note that visa sponsorship is not available for this position.

#LI-Remote

Remote-first with flexibility built in

Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Benefits designed for you

• Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:
• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.
• We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.
• For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
• By clicking "Submit Application," you acknowledge that you have read Affirm's

Global Candidate Privacy Notice

and consent to the use of your personal information as described.