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, Inc. proudly includes Affirm, PayBright, and Returnly. 

We’re looking for an intelligent, driven professional to join the Quantitative Research team. Quantitative Research collaborates with Credit, Merchant Pricing, Machine Learning, Computational Finance, and Capital Markets teams at Affirm to resolve complex, quantitative challenges facing these teams as well as drive innovation through independent research. As a member of QR, you will have the opportunity to develop and implement novel methods for estimating and optimizing our business economics.

What you'll do

  • Architect, build, refine, and increase automation of research infrastructure for estimating the performance of outstanding loan portfolio and simulation framework for future loan originations
  • Build algorithms to optimize consumer conversion rate subject to economic constraints
  • Refine analytical framework for model monitoring and reporting with the Computational Finance team
  • Collaborate with analytics teams to build models and deliver analyses across the firm
  • Review model implementation, focusing on requirement verification and code quality and conducting code review for team members

What we look for

  • Ability to draw analytical approaches from other fields and apply them in context
  • 2-4 years of professional experience conducting quantitative analyses or building machine learning infrastructure
  • Expertise in linear and non-linear optimization (local/global) approaches and customizing optimization algorithms
  • Familiarity with statistics and machine learning techniques; experience with distributed computing platforms a plus
  • Ability to tailor analysis to meet complex business considerations and functional needs
  • Proficiency in developing strong, positive relationships and collaborating cross-functionally
  • Desire to understand analytical models in the context of business decisions
  • Undergraduate, Masters, or PhD in Computer Science, Math, Statistics, Operations Research or other quantitative field
  • Existing GitHub presence a plus
  • Intelligence + Humility. Hubris is the fastest way to blow up a bank

Location - Remote U.S.


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.

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.

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 2020 DEI Report.

We also believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy, or the Affirm Employment Privacy Notice (EU) for applicants applying from the European Union, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Apply for this Job

* Required

Demographic Questions & Categorizations

Affirm is dedicated to building a diverse team and an inclusive culture. We believe that it’s crucial to Affirm’s long-term success to create an environment where all Affirmers feel like they belong and have an equal opportunity to succeed.

For this reason, we are asking candidates to voluntarily self-identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals. Your responses will not be linked to your identity or your application, and neither recruiters nor hiring managers can see this information at an individual level. Your responses are stored in the aggregate and will not play any role in our hiring decision.  Your decision to participate or not participate in this survey will have no impact on your candidacy at Affirm. 

How do you identify? (gender identity) (Select one)

Do you identify as LGBTQ+? (Select one)

How do you identify? (race/ethnicity)

What is your veteran status? (Select one)

What is your disability status? (Select one)