Work Hard EverywhereJob Description
Headquarters: Remote UK
At Affirm, we exist for the moments that matter-giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk - brand, reputational, legal and compliance risk.
The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!
What you’ll do
-
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
What we look for
-
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
Compensation & Benefits
Base Pay Grade - G
Equity...
At Affirm, we exist for the moments that matter-giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk - brand, reputational, legal and compliance risk.
The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!
What you’ll do
-
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
What we look for
-
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
Compensation & Benefits
Base Pay Grade - G
Equity...