Affirm is a leading financial technology company that provides transparent payment solutions, most notably its "buy now, pay later" (BNPL) service. Founded by PayPal co-founder Max Levchin, the company aims to provide an honest alternative to traditional credit cards by offering fixed-payment loans with no hidden fees. Affirm is a publicly traded company (NASDAQ: AFRM) with a global workforce of several thousand employees, serving millions of consumers and thousands of merchant partners across North America and Europe. In Spain, Affirm has established a major engineering and product hub, largely centered in Madrid following its acquisition of the returns management platform Returnly. The company offers a remote-first work model in Spain, making it highly attractive for international professionals seeking flexibility. As an English-first organization with a diverse global team, Affirm provides a seamless environment for non-Spanish speakers and focuses heavily on high-scale backend engineering, machine learning, and product innovation.

Founded in 2012 by Max Levchin and a group of co-founders, Affirm was created to build a more transparent financial system. The company went public on the NASDAQ in 2021 and expanded its European footprint through the acquisition of Returnly, which had a significant engineering base in Madrid.

Analytics Manager, Full Stack

Affirm

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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.

The Fraud Strategy & Analytics team works cross-functionally with Machine Learning, Product, Engineering, and Operations to combat fraudulent activities and to foster a safe platform.

We're looking for a new team member to help lead our team's fraud monitoring and detection efforts and own fraud escalations as we scale internationally. Additionally, this role will work closely with our cross functional partners to help develop our fraud detection and decisioning systems.

What you'll do

Develop strategies for monitoring and preventing fraud across our network, advising on best practices and ensuring the strategies align with risk management goals.
Leverage advanced data analytics to identify loss drivers, derive insights and optimize fraud management strategies
Report on fraud trends and loss drivers to cross functional partners and senior management
Quickly respond to fraud rings and ensure issues raised by other teams are addressed in a timely manner
Work together with our operations team to help limit losses and ensure optimal review volumes
Assist with evaluation and development of new external or internal features/signals to improve our fraud detection capabilities
Assist with team planning and goal setting as well as coaching and mentorship of more junior team members

What we look for

7+ years of experience in Fraud Management or a related field preferred with a prior emphasis on analytics.
Product knowledge - Passion to understand how the product works and how to change it to make it more effective
Able to thrive in a fast-paced environment and be responsive and available during times of peak fraud activity
Ability to work later starts several days a week so as to allow for increased overlap with US based colleagues.
Technical skills - Extensive experience writing and analyzing SQL queries; comfort using python or other scripting languages for data analysis
Communication - Ability to build strong cross functional partnerships and work with a diverse range of teams across the organization. Ability to communicate analyses and recommendations clearly to both technical and non-technical audiences
Multi-tasking - Strong time management skills and the ability to shift focus on a moment's notice to respond to changes in fraud pressure and tactics
Industry knowledge - Working knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development.
Bachelor's degree, or local equivalent, in a quantitatively rigorous field like engineering, statistics, math, finance, economics desired

Compensation and Benefits

Base Pay Grade - O

Equity Grade - Spain 5

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

ESP base pay range per year: €98,000 - €134,000

Additional benefits include:

Type of employment: Contract of Employment
Flexible Spending Wallets for tech, food and lifestyle
Away Days - wellness days to take off work and recharge
Learning & Development programs
Parental benefits
Employee Resource & Community Groups

We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.

Location - Remote Spain

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We're extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We 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.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.