Capital Operations Analyst – Funding Operations

Job Description

Capital Operations Analyst | Affirm

The Tone:
This is a full-time role at Affirm, located remotely across the U.S. Affirm is a 3,131-person organization dedicated to reinventing credit, making it more honest and friendly for consumers. The company provides flexible buy-now-pay-later options, free from hidden fees or compounding interest, fostering a transparent financial experience. This Capital Operations Analyst position is crucial for managing the financial foundation that supports Affirm’s innovative lending and growth. The role directly contributes to securing efficient funding and optimizing capital structure, ensuring the company’s financial resilience through various economic cycles.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: Remote
• Pay: $80000–$110000 yearly
• Team: Capital Team, within the Treasury function.
• Mission: Manage and optimize funding operations for Affirm’s loan portfolio, ensuring accuracy, scalability, and efficiency of financial processes.
• Tech Stack: SQL, Python, Excel, workflow automation tools, AI-enabled productivity tools

What You’ll Actually Do
• Support: Support all capital and funding operations while engaging with internal teams and various external capital partners.
• Oversee: Develop a deep understanding of the loan portfolio and oversee the movement of loan-related cash flows.
• Automate: Build, automate, and enhance operational reporting, reconciliations, and monitoring to improve accuracy, scalability, and efficiency.
• Manage: Manage ongoing internal and external audits for funding facilities, including data validation, documentation, and coordination across stakeholders.
• Lead: Lead monthly and quarterly investor financial reporting to ensure accurate and timely delivery of information.

The Must-Haves
• Background: Bachelor’s degree in a quantitative discipline such as Finance, Economics, or Mathematics is required. Candidates should possess a strong foundational understanding of the loan life cycle, various asset-backed financing capital structures, and principles of liquidity and cash risk management solutions.
• Experience: A minimum of 2 years of experience in Treasury, capital markets, or investment operations is essential. This experience should ideally be gained at a financial services firm or within the FinTech industry, demonstrating a track record of supporting operational execution in complex financial environments.
• Skills: Excellent proficiency in financial modeling and advanced Excel is critical for this role. Candidates must demonstrate strong attention to detail, an ownership mentality, and a willingness to proactively dive into day-to-day operational execution. The ability to navigate a high-growth, often ambiguous environment while effectively balancing strategic thinking with operational rigor is also key.
• Bonus: Familiarity with SQL, Python, workflow automation tools, or AI-enabled productivity tools is considered a strong plus, indicating a proactive approach to efficiency and technological adoption in financial operations.