About this role
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.
The Backbook Risk Analytics team partners closely with Credit, Product, Engineering, Operations, and Compliance to define and execute the Backbook Risk strategy, ensuring portfolio outcomes remain within risk appetite.
The Backbook Risk & Program Management Analyst will lead the strategy, analytics, and operational design of UK backbook risk programs— collections, vulnerable customer management, and hardship support. The role will collaborate with Product on new features, with Machine Learning and Engineering to build risk capabilities, and with Resolutions teams to implement risk mitigation and customer outcome strategies. The analyst will be responsible for monitoring portfolio performance, identifying emerging risks, designing interventions to reduce delinquency and losses, and ensuring compliance with FCA requirements such as CONC and Consumer Duty.
The ideal candidate will have a combination of strong analytical expertise with a deep understanding of consumer credit behaviour, and ability to improve collections and customer outcomes through data-driven insights, operational design, and cross-functional stakeholder management.
Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience.
Responsibilities
- Develop and maintain a comprehensive backbook risk framework, covering delinquency, roll rates, collections performance, hardship cases, and vulnerability indicators to ensure robust risk monitoring and early detection of emerging risks.
- Lead portfolio performance analytics and targeted risk mitigation, including monitoring delinquency trends, conducting segmentation and vintage analysis, diagnosing root causes, and recommending interventions to improve customer outcomes and reduce losses.
- Drive cross-functional optimisation of risk capabilities by partnering with Credit, Product, Data Science, Engineering, Servicing, and Operations to enhance collections strategy, and the design and execution of hardship and vulnerable-customer programs.
- Build and own the analytical framework for collections and repayments, including dashboards, KPIs, forecasting models, A/B experiment frameworks, and profitability analysis, leveraging advanced analytics and alternative data to solve complex credit and segmentation challenges.
- Enhance international backbook oversight and strategic alignment, establishing cross-market KPIs, strengthening repayments monitoring, and tailoring risk strategies based on analytical insights to support Affirm’s global expansion.
- What we look for
- 3-5+ years in credit risk, collections, analytics in consumer lending.
- Experience in designing or optimising collections strategies and hardship programs.
- Very strong analytical background with proficiency in SQL, Python or other scripting languages
- Demonstrated ability to interpret credit performance data and drive actions.
- Knowledge of credit reporting, affordability, and delinquency management practices.
- Strong understanding of Consumer Duty / CONC / NCCP, hardship regulations, or equivalent.
- Excellent cross-functional communication and stakeholder management.
- Ability to collaborate and influence across different teams in the organization
- Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
- A passion for finding insights in data and driving change based on those insights
- Intelligence + Humility. Hubris is the fastest way to blow up a business!