Quantitative Analyst II (Capital Structuring & Analytics)

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.

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’re looking for a smart, driven individual to join our Quantitative Markets team. The team is responsible for structuring and pricing Affirm’s debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of Affirm’s consumer loans. The ideal candidate will have experience in structuring asset-backed transactions, working with rating agencies, and building quantitative models. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills.

What you’ll do

Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions

Develop and enhance capital structuring and pricing models tailored to Affirm’s consumer loan portfolio to enable efficient deal execution

Build quantitative models to analyze and predict the performance of Affirm’s consumer loans

Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing

Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product, and business decisions

What we look for

2+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models

Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners

Experience with SQL, Python, or other scripting languages

Strong interpersonal and communication skills, and ability to collaborate and influence across different teams in the organization

A proactive leader that can seek out new opportunities, drive projects, navigate ambiguity and develop creative solutions with minimal guidance

Desire to understand the broader context of business decisions

DOT NOT DELETE OR FILL OUT THE INFORMATION BELOW:

USA Pacific base pay range (CA, WA, NY, NJ, CT): $X - $X

[DELETE IF NOT APPLICABLE TO ROLE] USA Sapphire base pay range (all other U.S. states): $X - $X

[DELETE IF NOT APPLICABLE TO ROLE] USA Navy base pay range (all other U.S. states): $X - $X

The above for non-commission based roles or the below for commission based…

USA Pacific OTE (CA, WA, NY, NJ, CT): $X - $X

USA Sapphire OTE (all other U.S. states): $X - $X

[ONLY KEEP THIS IF WE DO NOT SPONSOR THE ROLE] Please note that visa sponsorship is not available for this position.

[REMOVE IF POSTING IS NOT 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 purchase plan (ESPP) lets you buy Affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.