量化分析师 II（资本结构与分析）
Quantitative Analyst II (Capital Structuring & Analytics)
在Affirm，我们为那些重要的时刻而存在——为人们提供一种清晰、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。
关于资本团队
资本团队负责支持Affirm贷款和创新的财务基础。我们在资本市场、司库、交易结构、分析和银行合作方面领导资金、流动性及风险管理策略。该团队确保高效融资，同时支持可持续的业务增长。我们平衡成本、灵活性和风险，以确保Affirm在所有经济周期中的财务韧性。通过优化资本结构和管理流动性，我们帮助构建可扩展且稳健的财务平台。
我们正在寻找一位聪明、有动力的个人加入我们的量化市场团队。该团队负责结构化和定价Affirm的债务融资交易，开发用于优化融资策略的平台和工具，并建立模型来分析和预测Affirm消费者贷款的表现。理想的候选人应具有结构化资产支持交易的经验，与评级机构合作的经验，以及构建量化模型的经验。鉴于该职位的跨职能性质，理想的候选人应具备良好的人际交往和沟通能力。
你将负责
- 与资本市场团队紧密合作，评估、结构化并定价消费者资产支持交易
- 开发和优化针对Affirm消费者贷款组合的资本结构和定价模型，以实现高效的交易执行
- 构建量化模型，用于分析和预测Affirm消费者贷款的表现
- 为跨职能团队提供资本市场交易的见解，以制定更优和高效的融资策略和商户定价
- 与我们的资本市场、司库、商户定价、信用、商业、产品和工程团队跨职能合作，评估融资、产品和业务决策
我们寻找的候选人
- 2年以上相关经验，包括结构化资产支持交易、预测消费者贷款表现和/或构建量化模型
- 使用行业标准工具（如Intex/Bloomberg）的经验，以及与会计师、评级机构和内部/外部合作伙伴合作的经验
- 使用SQL、Python或其他脚本语言的经验
- 良好的人际交往和沟通能力，能够协作工作
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 the Capital Team
The Capital team manages the financial foundation that supports Affirm’s lending and innovation. We lead the funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. The team secures efficient funding while supporting sustainable business growth. We balance cost, flexibility, and risk to ensure Affirm’s financial resilience through all economic cycles. By optimizing capital structure and managing liquidity, we help build a scalable and resilient financial platform.
We’re looking for a smart, driven individual to join our Quantitative Markets team. The team is responsible for structuring and pricing Affirm’s debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of Affirm’s consumer loans. The ideal candidate will have experience in structuring asset-backed transactions, working with rating agencies, and building quantitative models. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills.
What You’ll Do
- Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions
- Develop and enhance capital structuring and pricing models tailored to Affirm’s consumer loan portfolio to enable efficient deal execution
- Build quantitative models to analyze and predict the performance of Affirm’s consumer loans
- Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing
- Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product, and business decisions
What We Look For
- 2+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models
- Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners
- Experience with SQL, Python, or other scripting languages
- Strong interpersonal and communication skills, and ability to collaborate and influence across different teams in the organization
- A proactive leader that can seek out new opportunities, drive projects, navigate ambiguity and develop creative solutions with minimal guidance
- Desire to understand the broader context of business decisions
Pay Grade - K
Equity Grade - 4
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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
CAN base pay range per year: $117,000 - $167,000
This posting is for an existing vacancy.
#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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