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 looking for an energetic and hardworking product lawyer to join our International Product Legal team. This individual will support the servicing and underwriting lifecycle for payments, BNPL loans, including underwriting, servicing, and collections. The best candidate will be flexible enough to engage in a wide range of projects and matters in support of Affirm’s strategic objectives. We are looking for someone who takes their work seriously, but doesn’t take themselves too seriously. If you are an individual with humility, grit, and flexibility, this is the job for you!

Come join us in our mission to change consumer finance through offering honest financial products that improve lives!

What You’ll Do

Counsel Affirm’s Business teams and other cross-functional stakeholders on relevant consumer financial services laws and regulations affecting new and existing products and services. This includes the Australia Consumer Credit and Consumer Protection Laws, Regulatory Compliance, and foundational legal and regulatory frameworks that cover payments, e-commerce, and online platforms

Support Affirm’s origination and servicing of loan and payment products

Provide strategic advice regarding Australia consumer finance and protection laws

Monitor legal and regulatory developments in consumer lending and servicing

Be a trusted advisor and teammate, sharing legal and other expertise and support when needed

Identify and evaluate business and legal risks and act as a trusted partner for creative legal problem-solving

Draft terms and conditions, disclosures, review copy

Create and solve initiatives related to new and existing Affirm products to ensure business partners are supported

Ability to work independently, and learn other jurisdiction regulations and laws

What We Look For

Ideal candidate will have 6+ years of related business, government, or fintech experience, preferably with a focus on Payments, Consumer Credit, Banking, or BNPL

Relevant education. You’re a qualified lawyer in Australia, UK, Spain, or equivalent jurisdiction, with a minimum of 5 years, and ideally 7 years of professional legal experience

Someone who has established expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, KYC/AML, servicing, credit reporting, & collections

A combination of private practice and in-house experience is preferred

A quick learner who genuinely enjoys legal analysis and collaboration in a fast-paced environment - you take your work seriously, but don’t take yourself too seriously

Experience developing creative approaches to legal challenges while providing business-focused legal advice

Inquisitive and proactive in identifying risks and proposing creative and effective solutions

Strong project management, critical thinking, creativity, and analytical skills

Someone focused on maintaining positive relationships and trust with cross-functional business partners

Passion for improving credit products and consumer experiences

Base Pay Grade - O

Equity Grade - 5

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

ESP base pay range per year: €96,000 - €126,000

Additional benefits include:

• Flexible Spending Wallets for tech, food and lifestyle

• Away Days - wellness days to take off work and recharge

• Learning & Development programs

• Parental benefits

• Employee Resource & Community Groups

Location - Remote Spain

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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