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Analyst II, Credit

Affirm· Core Analytics
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Hybrid (UK)£66k - £76k + equityfull-timePosted 1mo ago

About the role

Merchant Risk Analyst responsible for assessing financial, fraud, and non-financial risks related to merchants, coordinating with cross-functional partners, and driving improvements in merchant risk evaluation.

Responsibilities

  • 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

Qualifications

  • 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

Skills

Required:Merchant risk assessmentFinancial document analysisCross-functional collaborationOwnership and accountability

Benefits

  • Health coverage at no cost: 100% of premiums for employees and their dependents
  • Spending stipends for tech setup and health/wellness options
  • Flexible time off and generous holiday calendars
  • Employee stock purchase plan (ESPP)
  • Monthly stipends for health, wellness and tech spending
Last updated Sep 16, 2026. Interested? Apply on the company site.

About Affirm

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