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. 

As a company that offers clear and transparent financing to consumers, we are extremely attentive to ensuring that our merchant partnerships are successful for Affirm, our merchants, and most importantly, our customers! Our merchant partners encompass various industries and business models, ranging from venture-backed e-commerce startups to publicly-traded enterprises.

As a Merchant Underwriter, 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.

What you'll do

  • Assess various risks and determine credit exposure risk on new and existing merchants to determine an appropriate course of action
  • Use business credit reports, investigative research tools, and financial market data to conduct risk assessments
  • Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants in order to detect changes and anomalies from expected performance
  • Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

What we look for

  • 1-2 years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, or Merchant Underwriting
  • Experience reviewing financial statements and/or payment processor statements
  • Demonstrates an appropriate sense of accountability, ownership, urgency, and execution
  • Ability to thrive in a dynamic and fast-paced environment

Location - Remote U.S.

#LI-Remote
Affirm is proud to be a remote-first company! 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.
 
Inclusivity:

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.

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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.

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