Risk Management Lead - Affirm - San Francisco, CA

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 diligent, driven individual to join our Risk team. The Risk team is responsible for building and evaluating analytical models to drive underwriting, funding, and consumer engagement decisions. We’re looking for an individual with strong technical and interpersonal skills to manage risk governance efforts, from developing analytical models for computing our reserves to overseeing stress testing efforts to assessing credit and liquidity model efficacy at Affirm. The Risk Management Lead will play an integral role in balancing technical, financial, and regulatory considerations to develop institutional sophistication in our modeling efforts. What You'll Do Develop and implement loss allowance (CECL) policy by coordinating cross-functionally with Risk and Accounting stakeholders Review model soundness to provide second line of defense over quantitative models by justifying model design, assumptions, limitations, implementation, controls, input verification, and documentation Manage risk governance documentation for executive leadership and third-party auditors and examiners Liaise with Compliance and Accounting to ensure timely resolution of audit and regulatory needs What We Look For 5+ years of experience in credit/finance modeling and risk management Working knowledge of regulations related to loan loss reserves, controls, and data management Deep and broad experience with risk model development and validationBS, MS, or PhD in a technical discipline such as Accounting, Finance, Math, CS, or related field Desire to understand the broader context of business decisions Excellent interpersonal and communication skillsAbility to develop strong relationships and work across all organizational levels What Would Make You Stand Out Prior experience with stress testing, capital planning, and DFAST/CCAR Prior experience with Liquidity, ALM, or market risk modeling for balance sheet management Familiarity with accounting and regulatory capital regulations in financial services If you got to this point, we hope you're feeling excited about the job description you just read. Even if you don't feel that you meet every single requirement, we still encourage you to apply. We're eager to meet people that believe in Affirm's mission and can contribute to our team in a variety of ways – not just candidates who check all the boxes. #LI-KM1
At Affirm, "People Come First" is a core value and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can learn more about our D&I efforts here.
We also consider qualified applicants with arrest and conviction records for positions in accordance with applicable laws, including the San Francisco Fair Chance Ordinance.

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