Sr Merchant Risk Analyst, Collections at Affirm

Remote US

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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. Affirm proudly includes Returnly. 

As a company that offers clear and transparent financing to consumers, we are extremely diligent about ensuring that our merchant partnerships are successful for Affirm, our merchants, and most importantly, our customers! Our merchant partners encompass various industries and business models, ranging from venture-backed e-commerce startups to publicly-traded enterprises.

As the Merchant Collections Program Manager, you will lead our efforts to collect past due balances from merchant partners. You will be responsible for outreach to merchants and negotiations on payment. You will manage the loss forecasting and allocation/reserve process partnering with Merchant Analytics and Accounting teams. You will also report on Collections performance to the senior leadership team.

The ideal candidate will have experience in merchant collections and/or underwriting. They will also have a solid understanding of merchant risk with regards to payments. Prior work experience in payments, lending, banking or financial institutions is a plus.

What you'll do

  • Manage collections efforts for merchants with past due balances. Assess likelihood of loss and determine appropriate engagement and negotiations on payments.
  • Collaborate with Analytics and Risk teams on improvement to our Collections strategy.
  • Negotiate payments and settlements with merchants.
  • Collaborate with Analytics and Accounting teams on merchant loss forecasting, allowance for losses and loss recognition.
  • Work with vendors to supplement internal collections efforts.
  • Provide regular reporting on Collection efforts and KPIs.

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. Merchant Collections experience is strongly preferred.
  • Experience working with cross functional partners across the organization, especially Client Success and Finance.
  • Experience working directly with merchants (businesses) and leading contract, payment or other negotiations.
  • Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution
  • Strong program management skills

Location - Remote U.S.

Grade - USA27


Affirm is proud to be a remote-first company! The majority of our roles are remote and can be located anywhere in the U.S. and Canada (with the exception of the U.S. Territories, Quebec, Yukon, Nunavut, and the Northwest Territories) unless the job indicates a different global location. We are currently building operations in Spain, Poland, and Australia.  Employees in remote roles have the option of working remotely or from an Affirm office in their country of hire, and may occasionally travel to an Affirm office or elsewhere for required meetings or team-building events. Our offices in Chicago, New York, Pittsburgh, Salt Lake City, San Francisco and Toronto will remain operational and accessible for anyone to use on a voluntary basis, subject to local COVID-19 guidelines.

[For U.S. Candidates] All full-time jobs at Affirm (excluding interns and apprentices) are tied to a transparent grade-based pay range taking location into account. The grade for this position is noted above and in accordance with various U.S. pay transparency laws, we provide the base pay range and benefits for our U.S.-based positions in the links below:

Jobs in Grades 21-54:
Jobs in Grades 61-74:
If you got this far, we hope you're feeling excited about this role. Even if you don't feel you meet every single requirement, we still encourage you to apply. We're eager to meet people who believe in Affirm's mission and can contribute to our team in a variety of ways—not just candidates who check all the boxes.

At Affirm, People Come First is one of our core values, and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here and our progress thus far in our 2021 DEI Report.

We also 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.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the Affirm Employment Privacy Notice (EU) for applicants applying from the European Union, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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