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Affirm posts 33% revenue growth and $14.1B in quarterly GMV
Fiscal Q4 2026 revenue reached $1.2B, up 33% year over year, while GMV rose 36% to $14.1B. Operating income equaled 13% of revenue.
Affirm promotes Michael Linford from COO to President
Affirm appointed Michael Linford President effective Aug. 27, 2026, expanding his oversight to revenue, global markets, legal, compliance and public affairs.
Affirm and Shopify launch Shop Pay Installments in Australia
Shopify merchants in Australia can now activate Affirm-powered installment payments offering eligible shoppers fortnightly or monthly plans.
Affirm brings pay-over-time checkout to Google Search and Gemini
Affirm began rolling its payment options into Google Search, including AI Mode, and the Gemini app through Google Pay, extending BNPL into AI-assisted shopping.
AI Generated Insights
Assess brand, compliance, fraud and financial risk for new and existing merchants using credit reports, financial documents and third‑party data, and monitor ongoing credit, fraud and chargeback trends. Provide guidance to automate and improve merchant risk evaluation.
3+ years evaluating merchant risk in roles such as merchant underwriting, fraud, collections or seller risk, with experience reviewing financial statements, credit reports and payment processor data. Ability to work cross‑functionally, especially with sales and business development.
The role protects Affirm’s portfolio by identifying and managing credit exposure, fraud and reputational risk of merchants, directly supporting the company’s mission to offer honest, fee‑free financing.
Candidates with e‑commerce underwriting or commercial lending backgrounds, strong analytical skills, and a proactive ownership mentality who enjoy collaborating across teams.
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
Base Pay Grade - G
Equity Grade - 3
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.
Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidised medical coverage, dental and vision for you and your dependents.)
Base pay range per year: £66,000 - £76,000
Location: UK Remote
#LI-Remote
Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.
Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:
We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.
For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
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