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.

Trust is foundational to everything we do. As Affirm scales globally, protecting our consumers, merchants, and platform from fraud —while maintaining a seamless, friendly experience—is critical to our mission.

As a Senior Product Manager for Merchant Risk, you will play a key role in building and scaling systems, experiences, and policies that keep Affirm safe for consumers and merchants worldwide. You will drive the product strategy for the key product areas of merchant underwriting and portfolio management, and build robust systems to assess, monitor, and mitigate credit and fraud risk across platforms, channels, and geographies.

What You'll Do

Develop the vision and strategy for new and existing merchant risk products to maximize the value we provide to our customers and scale operational workflows

Drive product roadmap and own prioritization process for the Merchant Risk domain.

Lead and guide product direction for a cross-functional team of engineering, analytics, and platform partners. All with a platform mindset.

Define product requirements, work with engineering teams in sprint planning and prioritization of user stories to deliver the requirements, work with other stakeholders on planning and launching the products/features.

Engage and cultivate relationships with product, engineering, and platform partners to influence shared cross-team directions and manage risks or trade-offs.

Communicate clearly and crisply with leadership stakeholders and drive alignment across multiple teams and organizations through formal operational processes and in scrappy ways

What We Look For

5+ years experience in Product Management

Ability to work in a global environment across multiple locations and time zones to drive consensus in cross-functional teams

Strong written and verbal communication skills with the ability to articulate customer problems and drive alignment with cross-functional teams and leadership

Comfortable in an ambiguous matrixed organization

The ability to turn incomplete, conflicting, or ambiguous inputs into solid action plans

Excellent at identifying and prioritizing high impact initiatives

Experience developing data-driven strategies for streamlining and improving operations - all without sacrificing product quality

Familiarity with a highly regulated industry preferred

• Bachelor’s or Master’s in Computer Science, or other related fields; or equivalent practical experience.

• Pay Grade

• N
  Equity Grade - 8

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% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - $240,000
USA base pay range (all other U.S. states) per year: $169,000 - $219,000

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• Health care coverage

• Affirm covers all premiums for all levels of coverage for you and your dependents

• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses

• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge

• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

For U.S. positions that could be performed in Los Angeles or San Francisco Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

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