Credit Control Team Leader

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 Legal, Compliance, and Public Affairs team The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products. About the role The Manager, Regulatory Compliance & Privacy (DPO) will support the UK Compliance function by leading and coordinating key second-line regulatory compliance and privacy oversight activities for the UK entity. This role will serve as the operational lead for UK privacy compliance and Data Protection Officer (DPO) responsibilities, while also supporting broader UK regulatory compliance priorities, including vulnerable customers and other key regulatory expectations and programs. The role will partner closely with Legal, Product, Engineering, Operations, Risk, Financial Crimes, and other Compliance stakeholders to ensure a well-governed, scalable, and effective UK compliance framework. What you’ll do As Manager, Regulatory Compliance & Privacy , serve as the primary operational lead for UK privacy compliance matters and act as the designated Data Protection Officer (DPO) for the UK entity, subject to any final organisational and regulatory approvals. Lead and oversee on existing key UK privacy governance activities, including Data Protection Impact assessments (DPIA’s), oversight, privacy risk assessments, incident and breach governance, data subject rights processes, retention and deletion governance, and regulatory documentati

Principal Consultant – Finance Transformation Location: Edinburgh or Glasgow (Hybrid) | Practice Area: Finance, Risk, Regulatory & Financial Crime | Type: Permanent Empower finance leadership through strategic transformation The Role Capco is looking for Principal Consultants to join our growing Finance Transformation capability within the Finance, Risk, Regulatory & Financial Crime (FRRF) practice. You'll play a key role in helping CFOs, Treasurers, and senior finance leaders maximise the value of their finance and treasury functions through operating model redesign, process transformation, and strategic technology delivery. You'll also leverage approved AI tools and AI-enabled ways of working to improve analysis, accelerate insight generation, and enhance delivery while applying responsible AI practices and appropriate human oversight. What You'll Do Deliver finance transformation programmes spanning regulatory change (including Basel, IFRS, and PRA), finance technology, process optimisation, and operating model transformation, identifying opportunities to leverage AI-enabled workflows and automation. Partner with CFOs, Treasurers, and C-suite stakeholders to implement finance strategies, strengthen controls, and optimise regulatory reporting, including ICAAP, ILAAP, and Recovery and Resolution Planning (RRP). Define business requirements and manage end-to-end project delivery across finance, treasury, and regulatory change initiatives, ensuring appropriate governance where AI-assisted tools are utilised. Design and implement stress testing frameworks across credit, market, and liquidity risk to support regulatory compliance and strategic decision-making, using AI-enabled analysis where appropriate. Collaborate with technology teams to embed digital, automation, and AI-enabled solutions into finance processes, architecture, and operating models to improve efficiency and business outcomes. What We're Looking For Experience delivering finance transform

Overview: The Insights product is an offering for Guidepoint's Institutional investment and corporate clients, that offers teleconferences, surveys, and in-person events. The teleconferences live in a transcript library portal, which covers a wide of industries/topics that enables our clients to make informed decisions. All content features experts from Guidepoint’s proprietary global network and is conceptualized and hosted by former investment professionals (i.e. private equity/hedge fund), sell-side equity research analysts, and industry professionals. All applicants must have the right to work in the UK. What You'll Do: Monitor single name corporate credit situations in European markets including new issues, distressed, restructuring/re-orgs, and price dislocations in both leveraged loan and high yield markets. Create original, sell-side type content on these topics Conduct bottoms-up company research including reviewing earnings releases, reading investor presentations and analyzing regulatory filings Moderate teleconferences on timely topics featuring an expert from Guidepoint’s network with the goal of producing actionable insights for buy-side clients Generate ideas and follow key investor views among relevant strategies within European credit Can be an in-person position or a fully remote work-from-home position What You Have: Bachelor’s degree or Master’s degree 7 years or more of sell-side or buy-side analyst experience Follow a bottoms-up, fundamental approach to investment research focusing on individual companies Has prior experience covering single name corporate credit across both bank loan and high yield markets with a European focus; must be proficient in corporate credit analysis, with an emphasis on either loan / High Yield or Distressed strategies Ability to work in a fast-paced entrepreneurial environment Outgoing personality with the ability to speak with people at all professional levels Intellectual curiosity and desire to learn Effective ti

Overview: The Insights product is an offering for Guidepoint's Institutional investment and corporate clients, that offers teleconferences, surveys, and in-person events. The teleconferences live in a transcript library portal, which covers a wide of industries/topics that enables our clients to make informed decisions. All content features experts from Guidepoint’s proprietary global network and is conceptualized and hosted by former investment professionals (i.e. private equity/hedge fund), sell-side equity research analysts, and industry professionals. All applicants must have the right to work in the UK. What You'll Do: Monitor single name corporate credit situations in European markets including new issues, distressed, restructuring/re-orgs, and price dislocations in both leveraged loan and high yield markets. Create original, sell-side type content on these topics Conduct bottoms-up company research including reviewing earnings releases, reading investor presentations and analyzing regulatory filings Moderate teleconferences on timely topics featuring an expert from Guidepoint’s network with the goal of producing actionable insights for buy-side clients Generate ideas and follow key investor views among relevant strategies within European credit Can be an in-person position or a fully remote work-from-home position What You Have: Bachelor’s degree or Master’s degree 7 years or more of sell-side or buy-side analyst experience Follow a bottoms-up, fundamental approach to investment research focusing on individual companies Has prior experience covering single name corporate credit across both bank loan and high yield markets with a European focus; must be proficient in corporate credit analysis, with an emphasis on either loan / High Yield or Distressed strategies Ability to work in a fast-paced entrepreneurial environment Outgoing personality with the ability to speak with people at all professional levels Intellectual curiosity and desire to learn Effective ti

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. As a Merchant Risk Analyst, 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. The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus! What you’ll do Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants Investigate and use new sources of third party data to assess merchant financial risk Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation 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 Experience working with cross functional partners across the organization, especially Sales and Business Development teams Experience reviewing financial documents, business credit reports and payment processor statements Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution Compensation & Benefits Base Pay Grade - G Equity Grade - 3 Employees new to Affirm typically

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. Plaid Europe is building Plaid in Europe—the open banking platform that makes international expansion one click away for fintechs who want to scale globally. We are the only transatlantic open banking provider, uniquely positioned to help fintechs scale globally with a single Plaid integration. Our team localises, scales, and operates the bank connectivity layer that powers payments, underwriting, onboarding, and identity—abstracting fragmented European rails and regulations into a single, reliable platform. The team owns four core pillars: - Account-to-Account Payments - Cash Flow & Income Insights for Credit - Bank Connectivity Across Europe - Consumer Experience This team operates at the intersection of distributed systems, financial infrastructure, and consumer UX. We solve hard problems in payments reliability, data quality, regulatory complexity, and cross-market expansion—enabling fintechs to launch in new countries with minimal additional engineering effort. We are a high-impact, cross-functional engineering team working closely with US platform teams, GTM, compliance, and operations to make Plaid the default open banking layer for global fintechs operating in Europe. You will serve as t