Analyst II, Credit

About the role

As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud, and identity associated with merchants. You will coordinate with cross-functional partners to evaluate non-financial risks including brand, reputational, legal, and compliance factors. The role involves conducting ongoing monitoring of credit and dispute trends while driving improvements in risk evaluation processes.

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 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
• Leverage knowledge to provide guidance towards the automation and improvement of merchant risk evaluation

Required skills

• Merchant Risk Management
• Fraud Analysis
• Collections
• Merchant Underwriting
• Financial document review
• Business credit reports

Nice to have

• Payments
• Lending
• Banking
• E-commerce underwriting
• Commercial lending

Benefits

• 100% subsidised medical coverage
• Dental coverage
• Vision coverage
• Monthly tech stipend
• Monthly wellness stipend
• Flexible time off
• Employee stock purchase plan

About the Company

Affirm exists to provide people with a clear, predictable way to pay over time with no hidden fees or surprises. The company is remote-first and committed to care, transparency, and flexibility.