---
title: "Analyst II, Credit"
company: "Affirm"
company_url: "https://www.remjobs.works/companies/affirm"
url: "https://www.remjobs.works/job/affirm-analyst-ii-credit-77272599-f813-4d04-b574-b1abd8f1e4f0"
apply_url: "https://job-boards.greenhouse.io/affirm/jobs/7832318003"
workplace: remote
location: "Remote UK"
remote_scope: "UK"
employment_type: unspecified
seniority: mid
role: other
region: united-kingdom
date_posted: 2026-09-07T14:40:17.000Z
first_seen_by_remjobs: 2026-09-15T15:13:10.577Z
---

# Analyst II, Credit

**Affirm** · Remote UK

Apply: https://job-boards.greenhouse.io/affirm/jobs/7832318003

## About Affirm

Buy now pay later without the fees. Flexible payment options with longer plans, lower payments, and no fees. Pay in 4 interest-free or get more time and see your total cost upfront.

## About the role

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 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.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

By clicking "Submit Application," you acknowledge that you have read Affirm's [Global Candidate Privacy Notice](https://www.affirm.com/global-candidate-privacy-notice) and consent to the use of your personal information as described.

---

Source: Affirm's own career page, read by RemJobs. Canonical HTML version: https://www.remjobs.works/job/affirm-analyst-ii-credit-77272599-f813-4d04-b574-b1abd8f1e4f0