Top Data & Analytics Jobs in San Francisco Bay Area, CA

Early Career Analyst supporting Affirm’s Risk & Analytics organization through data analysis, portfolio monitoring, reporting, risk and growth strategy insights, and cross-functional collaboration. The role uses SQL and Python to build scalable reports, support machine learning and risk model deployment, assess lending regulations, and improve product launches and market expansion. Analysts will integrate AI tools into workflows while validating outputs and developing expertise in consumer lending and quantitative business decision-making.

Lead marketplace analytics for Affirm’s two-sided ecosystem by optimizing monetization, supply, demand, pricing, profitability, and user experience. Build KPI dashboards, analyze marketplace and affiliate performance, conduct experiments, evaluate incentives and placement, and perform loan-level profitability analyses. Partner cross-functionally with Product, Engineering, Sales, Client Success, and Marketing to improve merchant value, consumer engagement, conversion, and sustainable GMV growth.

Build Affirm’s narrative intelligence function by analyzing audience, behavioral, brand, media, survey, and business data. Develop narrative measurement frameworks, dashboards, analytical standards, and feedback loops to assess how effectively communications resonate. Design rigorous research studies, integrate qualitative and quantitative evidence, identify meaningful patterns, and translate findings into positioning, messaging, campaign, content, and communications strategy. Partner across analytics, research, marketing, creative, and communications teams to turn complex evidence into actionable decisions.

Owns fraud performance analytics for depository products, including monitoring losses, approval rates, false positives, customer friction, and risk metrics. Builds data models, transformation pipelines, dashboards, scorecards, and monitoring frameworks. Conducts fraud deep dives and develops optimized rules, policies, thresholds, models, and decision strategies. Partners with Product, Engineering, Machine Learning, Data Engineering, Fraud Operations, and Risk teams to improve fraud detection and support product launches.

Lead independent validation and governance of credit and fraud models, build automated Python monitoring for model drift and performance, drive remediation with model developers, and liaise with audit and regulators to support Affirm Bank's model risk management.

Own end-to-end analytical lifecycle to develop and optimize business, risk, and growth strategies. Monitor portfolio and macro trends, build and interpret ML-driven models, lead cross-functional launches, mentor junior analysts, and build AI-assisted workflows to improve decisioning and measurement across products and geographies.