Merchant Risk Underwriter Jobs

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 attentive to 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 a Merchant Underwriter, 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.
What you'll do

• Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation
• Use business credit reports, investigative research tools, and financial market data to conduct risk assessments
• Assess various risks and determine credit exposure risk on new and existing merchants to determine an appropriate course of action
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants in order to detect changes and anomalies from expected performance

What we look for

• Demonstrates an appropriate sense of accountability, ownership, urgency, and execution
• 1-2 years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, or Merchant Underwriting
• Ability to thrive in a dynamic and fast-paced environment
• Experience reviewing financial statements and/or payment processor statements

Location - Remote Canada
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of hire.
We have a simple and transparent remote-first grade-based compensation structure. Offer amounts within the range are based on a number of factors including but not limited to job-related skills, experience, and relevant education or training. Across the broader organization, certain roles are eligible for equity awards upon hire, promotion, tenure milestones and for performance.
Some Key Highlights Of Our Benefits Package Include
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first.

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses

We 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.
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