Job Description
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 are seeking a seasoned Credit Strategy Leader to drive the evolution of Affirm’s credit decisioning capabilities across international markets and help shape the long-term direction of our underwriting, portfolio performance, and regulatory alignment. This role will lead high-impact initiatives across products and geographies, partnering closely with Engineering, Product, Legal, and Compliance to design scalable, compliant credit systems that balance growth, customer experience, and risk management.
The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, translate complex regulatory and economic insights into actionable strategies, and operate effectively at both strategic and execution levels.
This is a unique opportunity to shape the next generation of Affirm’s credit models and policies for international expansion, making a meaningful and lasting impact within a fast-growing FinTech company committed to responsible consumer lending.
What You’ll Do
- Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies.
- Partner with Engineering to design and build scalable risk models and credit risk capabilities.
- Monitor portfolio performance and macroeconomic trends, adjusting underwriting and marketing strategies to mitigate risk.
- Collaborate with Product, Legal, and Compliance teams to interpret regulatory requirements and translate them into credit policy and product design.
- Engage with external stakeholders including merchants, vendors, and regulators to ensure compliance and alignment.
- Oversee the development of underwriting frameworks that balance growth, compliance, and risk mitigation.
- Drive cross-functional alignment for new product launches and international market entry.
- Mentor and guide credit analysts, fostering expertise in credit strategy and regulatory awareness.
- Manage team priorities, resources, and delivery timelines.
- May supervise direct reports.
What We Look For
- Master’s degree (or foreign equivalent) in Data Science, Computer Science, Engineering, Economics, or a related field with 3+ years of relevant experience.
- Proficiency in SQL, Python, or other scripting languages.
- Experience with data mining, data visualization, and statistical modeling.
- Applying machine learning techniques to credit risk management.
- Developing and optimizing credit strategies using advanced analytics.
- Monitoring and interpreting model performance metrics across portfolios.
- Proven leadership of cross-functional initiatives involving Product, Legal, Compliance, and Engineering.
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics.
- Ability to convert regulatory and economic insights into actionable strategies.
- Experience mentoring high-performing analytical teams.
- Exceptional communication and stakeholder-influencing skills.
Compensation & Benefits
Base Pay Grade: #
Equity Grade: #
Employees new to Affirm typically come in at the start of the pay range. Affirm maintains a transparent pay structure based on location, experience, and job-related skills.
Base pay is part of a total compensation package that may include monthly lifestyle and tech stipends, benefits (including 100% subsidized medical, dental, and vision coverage for you and your dependents), and potential equity rewards offered by Affirm Holdings, Inc.
NL base pay range per year: €114,000 – €154,000
Additional benefits include:
- Flexible Spending Wallets for tech and lifestyle
- Away Days for wellness and recharge
- Learning & Development programs
- Parental benefits
- Employee Resource Groups
Location: Remote – Netherlands
#LI-Remote
Affirm is proud to be a remote-first company. Most roles are remote, with occasional office work required for some positions. A limited number of roles remain office-based due to job responsibilities.
Our benefits are anchored to the core value of people come first, including:
- Health care coverage – 100% of premiums covered for you and your dependents.
- Flexible Spending Wallets for technology, food, lifestyle, and family-forming expenses.
- Time off with competitive vacation and holiday schedules.
- ESPP – Employee Stock Purchase Plan at a discount.
We believe It’s On Us to provide an inclusive interview experience for all. Reasonable accommodations are available for candidates needing individualized support.
[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 qualified applicants with arrest and conviction records.
By clicking “Submit Application,” you acknowledge that you have read Affirm’s Global Candidate Privacy Notice and give informed consent to the collection, processing, use, and storage of your personal information as described therein.
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