Analytics Lead, Full Stack

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. We are seeking a highly motivated and analytical individual to join our Growth Analytics International team. This team plays a crucial role in conducting research, monitoring performance, and running experiments to develop exceptional products for both consumers and merchants while driving long-term growth for the business. As Affirm continues expanding into new international markets, this role will be instrumental in establishing the operational analytics framework for new launches, beginning with Australia and expanding into future international markets. The ideal candidate will possess strong analytical and problem-solving abilities, a collaborative mindset, an eagerness to learn, and the patience to tackle complex challenges. Our team takes an end-to-end business analytics perspective, partnering across the organization to develop recommendations and solutions that enable the business to successfully execute its growth and profitability strategies. This role requires someone who can combine analytical rigor with business acumen to influence decisions and drive measurable outcomes. What you’ll do Establish and evolve the operational analytics framework for new international markets, ensuring scalable measurement, reporting, and decision-making capabilities as we expand globally. Operate with a business owner mindset by proactively identifying opportunities through analysis and product sense to enhance user experience, growth, and profitability. Own business problems from end to end by translating analytical insights into recommendations and optimization strategies that support business growth, profitability, and operational excellence. Take ownership of the end-to-end analytics process: define success metrics, generate insights and hypotheses, track performance, and create intuitive dashboards and reports that can be easily shared across the organization. Develop scalable analytics solutions and data models. Tackle ambiguous problems by identifying the core hypotheses and designing actionable experiments to validate product-market fit and economic viability. Translate analytical findings into clear and compelling narratives and business cases for leadership to inform decision-making. Spearhead weekly cross-functional metric reviews, collaborating with partners to conduct deep dives into significant metric shifts and suggest actionable steps. Partner effectively across Product, Risk, Finance, Commercial, and Operations to align strategies and execute against business objectives. Foster strong cross-functional relationships and establish yourself as a trusted advisor to team members. Mentor and guide junior analysts to deliver high-impact work that drives business results. What we look for: Passion to redefine the lending and financial industry for the better. Strong understanding of the consumer lending and credit industry, including lending economics, portfolio performance, and credit metrics. Experience supporting international lending markets, particularly Europe and/or APAC, is highly desirable. Demonstrated ability to balance growth objectives with profitability and develop data-driven growth strategies. Bachelor's or Master's degree in a quantitatively rigorous subject area such as statistics, mathematics, finance, or economics. 5+ years of proven success in a cross-functional analytical role. Practical and theoretical knowledge of A/B testing. Experience with SQL and performing statistical analysis using Python. Experience simultaneously balancing multiple workstreams and prioritizing an analytics roadmap. Demonstrated curiosity and a growth mindset, with hands-on experience using AI-powered tools such as Cursor, Claude, or similar assistants to accelerate analysis, automate workflows, enhance problem-solving, and advocate for AI adoption across a…