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Salary: USD 164,000 - 245,000 / annual
Affirm is seeking an Analytics Lead for Deposit Fraud Risk to own fraud performance across depository products. This role sits within the Credit Risk organization and works cross-functionally with Machine Learning, Product, Engineering, and Operations teams to combat fraudulent activities and foster a safe platform.
You will lead the charge on refining Identity Verification and Fraud processes, improve the Application flow, and partner closely with Product and Engineering to enhance Affirm's fraud solution.
Key responsibilities include:
**Data Pipeline, Analytics & Monitoring:**
- Build and maintain scalable data models and transformation pipelines using tools like DBT to standardize depository product, transaction, customer, fraud, and operational data
- Define trusted fraud performance metrics and analytical datasets, including fraud loss rates, approval/decline rates, false-positive rates, customer friction, and operational efficiency
- Develop recurring dashboards, scorecards, and monitoring frameworks to provide 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:**
- 7+ years of Analytics experience
- Fluent in SQL and Python
- Working knowledge of payment processing fundamentals and understanding of industry risk trends, including familiarity with fraud strategy development
- Passion to understand how Affirm's product works and a curious mindset to help improve it
- Strong team player with ability to collaborate and influence across many different teams
- Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
- Ability to thrive in a fast-paced environment and be responsive during times of peak fraud activity
- Strong time management skills and ability to manage multiple projects and priorities
Note: Visa sponsorship is not available for this position.
