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.

About the Product team

The Product team listens to our customers’ needs and translates those insights into a clear product vision. The team works closely with design, engineering, and analytics to build scalable financial products that empower people to manage their money with confidence. We rely on empathy, curiosity, and business sense to prioritize features and improve experiences. Our role is to lead with clarity, support cross-functional execution, and champion the user in every decision.

About the role

We’re looking for an outstanding product manager who is not bound by the existing paradigms of traditional banks. This role is part of the Credit & Pricing Product team, responsible for consumer credit, underwriting, merchant pricing, and loan economics across the entire portfolio of merchants and channel partnerships. In joining this team, you will be at the center of Affirm’s credit & pricing strategy to expand our footprint into new verticals and product offerings. The team drives innovative solutions that fuel all end user experiences in the US and globally while partnering with a wide variety of teams including but not limited to product, engineering, analytics, design, marketing, legal, capital, commercial and more.

What you’ll do

Define and drive product strategy in collaboration with your peers in Credit & Pricing engineering, analytics, and go-to-market teams.
Define new products and features with specs and prototypes that enable merchants to offer consumers attractive financing terms.
Analyze the impact of product features and define metrics for success.
Establish yourself as a trusted partner of our Credit, Pricing, Commercial, Design, and Engineering teams to successfully launch and scale products.
Collaborate across product teams to support initiatives that interface with Affirm’s Credit & Pricing capabilities (e.g., international expansion, large merchant integrations, new product verticals, cost optimizations).

What we look for

Motivation: You have a passion and drive to change consumer finance for the better.
Analytical skills: You have a data-driven learning style and use quantitative information to make product decisions.
Experimental mindset: You like to test and learn in a way that incorporates both customer needs and data. You must be comfortable operating autonomously and unafraid to learn/fail fast.
Results: Experience shipping simple, elegant user-facing products with measurable impact to the bottom line.
Product experience: Minimum 4+ years of prior product or relevant experience in consumer finance, payments, underwriting, and machine learning models.
Bachelor’s or Master’s in Computer Science, or other related fields; or equivalent practical experience.

Pay Grade - N
Equity Grade - 9

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: $195,000 - $255,000
USA base pay range (all other U.S. states) per year: $173,000 - $233,000

#LI-Remote

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.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Product Manager, Credit & Pricing at Affirm - PM Job Opening