# Analyst II, Credit at Affirm

> Assess merchant credit, fraud, and brand risk and monitor merchant trends to support Affirm's lending decisions.

- Company: Affirm (affirm.com)
- Location: Remote UK (remote)
- Places: Remote, United Kingdom
- Posted: 2026-09-07
- Level: Mid-level
- Team: Merchant Risk
- Work mode: Remote
- Pay: £66,000 - £76,000 per year
- Apply: https://job-boards.greenhouse.io/affirm/jobs/7832318003
- Page: https://ye.saranatour.dev/jobs/analyst-ii-credit-affirm-kn789fnpzdemkcs7s1z2dkear98hn3qa

## The posting

Analyst II, Credit
Affirm · 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 Grade - 3

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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidised medical coverage, dental and vision for you and your dependents.)

Base pay range per year: £66,000 - £76,000

Location: UK Remote

**#LI-Remote**

**Remote-first with flexibility built in**Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

**Benefits designed for you**Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

- Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
- Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
- Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
- Own a piece of what you build: Our employee stock purch