Backbook Risk Lead

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm proudly includes Returnly. 

The Backbook Risk team is responsible for Affirm’s backbook performance, monitoring, and forecasting globally. Team works cross-functionally with Credit Risk, Compliance, Machine Learning, Product, Engineering, Operations, Growth Analytics, and Finance teams to define and ensure execution of the Backbook Risk strategy to assert adherence to the Risk Appetite.

This role requires a lot of cross-functional partnership. This individual will be supporting the Director in integrating backbook related work streams within the Risk function.

What you'll do

• In collaboration with Machine Learning, Growth Analytics and Finance team develop and continually refine robust forecasting for the backbook incorporating impact from strategy modifications being implemented by Risk, Machine Learning, and Product
• Develop and implement the feedback loop with Frontbook Risk Strategy, Backbook Risk Strategy, Provisions, and Product based on observed backbook performance in combination with the macroeconomic outlook
• Develop, implement, and evolve repayment and modification tools strategies and policies
• Development and implementation of the monitoring framework, provisions, and bureau furnishing for the backbook for international division of Affirm

What we look for

• 8+ years of work experience in Risk management within Fintech/Banking
• Proficient in SQL, Experience with Python
• A standout colleague with the ability to collaborate and influence across different teams in the organization
• Ability to express concepts in concise fashion both in writing (policy writing experience is preferred) and verbally. Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
• Bachelor’s or Master’s degree in a quantitatively rigorous subject area like engineering, statistics, math, finance, economics, computer science desired
• Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends)
• Strong time management skills and the ability to lead multiple projects and priorities in parallel

Location - Remote U.S.

Grade - USA30

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and can be located anywhere in the U.S. and Canada (with the exception of the U.S. Territories, Quebec, Yukon, Nunavut, and the Northwest Territories) unless the job indicates a different global location. We are currently building operations in Spain, Poland, and Australia.  Employees in remote roles have the option of working remotely or from an Affirm office in their country of hire, and may occasionally travel to an Affirm office or elsewhere for required meetings or team-building events. Our offices in Chicago, New York, Pittsburgh, Salt Lake City, San Francisco and Toronto will remain operational and accessible for anyone to use on a voluntary basis, subject to local COVID-19 guidelines.

[For U.S. Candidates] All full-time jobs at Affirm (excluding interns and apprentices) are tied to a transparent grade-based pay range taking location into account. The grade for this position is noted above and in accordance with various U.S. pay transparency laws, we provide the base pay range and benefits for our U.S.-based positions in the links below:

Jobs in Grades 21-54: shorturl.at/H0124 Jobs in Grades 61-74: shorturl.at/kK015   If you got this far, we hope you're feeling excited about this role. Even if you don't feel you meet every single requirement, we still encourage you to apply. We're eager to meet people who believe in Affirm's mission and can contribute to our team in a variety of ways—not just candidates who check all the boxes.   Inclusivity:

At Affirm, People Come First is one of our core values, and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here and our progress thus far in our 2021 DEI Report.

We also believe It’s On Us to provide an inclusive interview experience for al