Analytics Lead, Full Stack

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.

We are seeking a seasoned Credit Strategy Leader to drive the evolution of Affirm’s credit decisioning capabilities across international markets and help shape the long-term direction of our underwriting, portfolio performance, and regulatory alignment. This role will lead high-impact initiatives across products and geographies, partnering closely with Engineering, Product, Legal, and Compliance to design scalable, compliant credit systems that effectively balance growth, customer experience, and risk management.

The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels.

This is a unique opportunity to shape the next generation of Affirm’s credit models and policies for international expansion making a meaningful, lasting impact within a fast-growing FinTech company committed to redefining responsible consumer lending.

What You’ll Do

Leverage advanced data analytics to derive insights and optimise credit strategies across products and geographies.

Partner with Engineering to design and build scalable risk models and credit risk capabilities.

Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk.

Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations.

Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships

Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals.

Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations.

What we look for

Master’s degree (or foreign equivalent) in Data Science, Computer Science, Engineering, Economics, or a related field, and 3+ years of experience (or equivalent senior-level experience)

SQL, Python, or other scripting languages

Data mining, data visualisation, and statistical modeling

Applying machine learning techniques to credit risk management

Leveraging advanced analytics to develop and optimise credit strategies

Monitoring and interpreting model performance metrics across portfolios

Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives.

Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.

Ability to translate complex regulatory and economic insights into actionable credit and product strategies.

Demonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scale.

Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

Compensation & Benefits

Base Pay Grade - M

Equity Grade - 5

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include monthly stipends for lifestyle and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

NL base pay range per year: € 94 000 - € 134 000

Additional benefits include:

Flexible Spending Wallets for tech and lifestyle

Away Days - wellness days to take off work and recharge

Learning & Development programs

Parental benefits

Employee Resource Groups

Please note that visa sponsorship is not available for this position.

Location - Remote Netherlands