Credit Risk Analyst Commercial Underwriter

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

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: Do you want to fast track your career? Are you an adept communicator with internal and external stakeholders? We are looking for an analytical Rockstar to join our fast-paced and hardworking Freddie Mac Multifamily Underwriting team. We’re looking for someone who is smart, a fast learner, strong with numbers and can hustle. Apply now to contribute to our mission of Making Home Possible. Our Impact: We are responsible for underwriting conventional multifamily loans originated by our Production partners Innovate based on market behaviors while efficiently analyzing, mitigating, and clearly defining credit risk Evaluating the overall story and making decisions on the credit risk profile Your Impact: Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties Accurately prepare concise, complete, and clear Investment Briefs for loan approval and loan commitment Apply company principles/policies and critical thought to complete assigned tasks accurately, completely, and in a timely manner Collaborate and communicate with external and internal business partners to solve problems and achieve shared success Qualifications: Bachelor’s degree in real estate, finance, economics, business administration, or related field 1 to 3 years of related work experience in the commercial/multifamily real estate industry Knowledge of real estate property fundamentals and real estate lending/underwriting Strong written and verbal communicati

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

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

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together. We cultivate a culture of collaboration, inclusivity, and support where every team member's voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals. What you'll do The credit risk operations team plays a critical role in ensuring a healthy financial ecosystem for businesses around the world. This team will directly impact the company's bottom line and growth capabilities by supporting new and emerging businesses. The Credit Operations team is responsible for conducting credit risk assessments, underwriting small and mid-size users, and proposing mitigation strategies that enable Stripe to take smart risks for our users. Responsibilities • Work with merchants, from successful venture-backed startups to well-established institutions, evaluating their business models and financial statements • Help manage Stripe's portfolio by developing a deep under

Given heightened expectations from regulators and a goal to build a strong and consistent global control environment, Citi continues to enhance its business governance framework and has created the Enterprise Data group. Enterprise Data is a critical component of Citi’s first line of defense for wholesale and counterparty credit risk management and works with Independent Risk teams to ensure best-in-class risk and controls, as well as client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. Enterprise Data coordinates with credit management groups across institutional client businesses to ensure full alignment on business and regulatory goals, as well as consistency and best practices. The Counterparty Credit Risk (CCR) project execution team within Enterprise Data is responsible for building tools to: Provide in-depth quantitative or qualitative analysis to solve business problems and develop new, innovative solutions Build tools to help measure, monitor and control counterparty risk for institutional clients and Portfolios and businesses, with a focus on counter-party and collateral risk to ensure the risks are being properly measured and controlled in accordance with the Firm’s risk policies. Responsibilities: As a Product Developer working in CCR project team, individual will be expected to Lead strategic BAU and Regulatory projects primarily impacting Counterparty Credit Risk exposure measures for traded product markets business Develop and enhance tools for the measurement, monitoring and reporting of counterparty exposure including Stress testing - Net Stressed Exposure (NSE), Potential Future Exposure (PFE), Settlement Risk, Intraday risk and participate in project management of strategic risk infrastructure development.</