财务模型风险管理负责人
Financial Model Risk Management Lead
在Affirm，我们为那些重要的时刻而存在——提供一种清晰、可预测的分期付款方式，没有隐藏费用，没有意外，也不会在最重要的事情上做出妥协。
关于企业风险与内部审计
企业风险与内部审计部门保护Affirm的运营和长期成功。我们识别、评估并监控业务中的风险。我们的工作包括内部审计、监管保证、欺诈预防和危机规划。团队建立强大的控制机制，跟踪关键风险指标，并确保对外部审查的准备。我们坚持问责制、透明度和韧性，以支持负责任的增长。
关于团队
我们正在寻找一位聪明、有动力的专业人士加入我们的模型风险管理（MRM）团队，担任财务和分析模型的首席验证员。MRM是Affirm的第二道防线，建立并监督有效的模型风险管理框架，以识别、量化、监控、缓解和报告公司内部的模型风险。
你将负责：
- 独立挑战财务和分析定量模型——包括资产负债管理（ALM）、拨备/损失预测、贷款转移模型（LTM）、公司财务规划模型、采用率和参与度模型以及相关的决策支持分析——通过严格的验证和持续的监控
- 领导高复杂度、高关键性模型的端到端验证工作
- 识别模型的弱点、局限性和改进机会；向技术和非技术利益相关者清晰地传达发现
- 与财务、量化研究和增长分析领域的模型负责人及利益相关者合作，解决验证发现并加强模型治理
- 跨职能合作，实施和维护公司的MRM框架
- 与内部审计、内部控制、会计和合规团队合作，确保及时解决审计、监管和检查要求
我们寻找：
- 相关技术领域4–6年专业经验，如模型开发、模型验证、量化金融或数据分析——具有财务和/或分析模型验证的实质性经验
- 对公司财务、资金、ALM和/或精算/统计预测有深入且广泛的知识
- 有信用承销、信用风险管理经验者优先
- 具备使用脚本语言的能力
查看英文原文
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.
About Enterprise Risk & Internal Audit
The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.
About the Team
We're looking for an intelligent, driven professional to join our Model Risk Management (MRM) team as a Lead validator for Finance and Analytics models. MRM serves as Affirm's second line of defense, establishing and overseeing an effective model risk management framework to identify, quantify, monitor, mitigate, and report on model risk throughout the company.
What You'll Do:
- Perform independent challenges of financial and analytics quantitative models — including ALM, allowance/loss forecasting, loan transition models (LTM), corporate financial planning models, take-up and engagement models, and related decision-support analytics — through rigorous validation and ongoing monitoring
- Lead end-to-end validation engagements on high-complexity, high-criticality models
- Identify model weaknesses, limitations, and opportunities for improvement; articulate findings clearly to technical and non-technical stakeholders
- Collaborate with model owners and stakeholders across Finance, Quantitative Research, and Growth Analytics to remediate validation findings and strengthen model governance
- Partner cross-functionally to implement and maintain the company's MRM framework
- Partner with Internal Audit, Internal Controls, Accounting, and Compliance to ensure timely resolution of audit, regulatory, and examiner requests
What We Look For:
- 4–6 years of professional experience in related technical areas such as model development, model validation, quantitative finance, or data analytics — with meaningful exposure to financial and/or analytics model validation
- Deep and broad knowledge of corporate finance, treasury, ALM, and/or actuarial/statistical forecasting
- Experience in credit underwriting, credit risk management is a plus
- Proven ability to work with scripting languages (e.g., Python) and large-scale datasets (e.g., SQL); comfort reviewing models built in Excel, Python, Databricks, or similar environments
- Experience with statistical modeling, time-series forecasting, simulation, and/or machine learning techniques as applied to finance and analytics use cases
- BS, MS, or PhD in a quantitative field such as Quantitative Finance, Financial Engineering, Mathematics, Statistics, Economics, Computer Science, or Data Science
- Detail-oriented and intellectually curious about data, models, and business context; skilled at critical thinking and structured problem-solving
- Extraordinary interpersonal and verbal/written communication skills — able to influence model owners, present to senior stakeholders, and navigate cross-functional remediation
Pay Grade - M
Equity Grade - 8
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% subsidized medical coverage, dental and vision for you and your dependents.)
CAN base pay range per year: $145,000 - $205,000
#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.
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