Senior Director of Enterprise Risk Management, Affirm
$253-355k
+ Equity
More information about location
Buy-now-pay-later card for online and in-store
Be an early applicant
Buy-now-pay-later card for online and in-store
1001+ employees
Be an early applicant
$253-355k
+ Equity
More information about location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- 12–15+ years of experience in financial services, fintech, or technology environments, with deep expertise leading risk, audit, compliance, or related business or strategic operating functions
- Proven experience leading and maturing enterprise risk frameworks and programs in a dynamic, high-growth environment
- Strong strategic mindset and business judgment with the ability to connect risk management to business objectives and leadership decisions
- Demonstrated ability to influence senior stakeholders and drive alignment across functions without direct authority
- Strong analytical and communication skills with the ability to translate complex data into clear insights and actions
- Track record of leading and developing high-performing teams
- Experience working closely with Product, Engineering, and data-driven teams is strongly preferred
What the job involves
- Affirm’s Enterprise Risk team provides an enterprise-wide view of risk, helping the company identify, assess, and manage risks that span multiple business areas. The team helps the company understand its most important risks and supports sound decision-making to ensure risk is managed effectively as Affirm continues to scale and evolve
- We’re looking for a Senior Director, Enterprise Risk to lead and evolve Affirm’s enterprise risk management programs
- This leader will be responsible for driving a cohesive, forward-looking risk strategy, strengthening our risk frameworks, enhancing enterprise risk insights, and enabling the business to make informed, risk-aware decisions
- This is a highly cross-functional leadership role that works closely with a wide range of partners including Product, Engineering, Credit Risk, Compliance, Legal, Finance, and Operations
- You will serve as a trusted advisor to senior leadership, bringing a strong enterprise risk perspective and helping the company balance sound risk discipline with Affirm’s culture of innovation and growth
- Lead and Evolve Affirm’s Enterprise Risk Management Program
- Lead the ongoing evolution of Affirm’s Enterprise Risk Management program to support the company’s scale, complexity, and strategic priorities
- Strengthen enterprise risk governance, including risk appetite, risk taxonomy, and governance structures across the enterprise
- Drive alignment of risk management practices across business units while preserving appropriate flexibility for different risk types and operating models
- Strengthen Core Enterprise Risk Programs
- Oversee and continue to mature key enterprise risk programs including Operational Risk, Third Party Risk Management, Business Continuity, Issues Management, and Risk Governance
- Ensure programs are integrated, data-driven, and aligned to to Affirm’s broader enterprise risk framework
- Identify opportunities to improve effectiveness, scalability, and clarity through process enhancements, data, and tooling
- Enhance Enterprise Risk Insights and Reporting
- Develop and enhance risk analytics and reporting for executive leadership and governance forums
- Strengthen the use of risk metrics, trends, and analysis to identify emerging risks and support decision-making
- Act as a Strategic Advisor and Credible Challenger
- Partner with senior leaders to assess risks associated with new products, initiatives, and strategic changes
- Provide independent, objective challenge on key risk decisions and mitigation strategies
- Support the business in taking smart, informed risks while staying within risk tolerance levels
- Drive Cross-functional Alignment
- Help embed a thoughtful, risk-aware approach to decision-making across the company through strong partnership, communication, and engagement
- Drive enterprise-wide risk initiatives that require coordination across multiple teams
- Lead high-impact initiatives that improve the effectiveness and scalability of enterprise risk management
- Build and Lead a High-performing Team
- Develop and mentor a team of risk professionals
- Establish clear priorities, operating rhythms, and performance standards
- Scale the function’s impact in line with Affirm’s growth and evolving needs
Our take
Affirm offers point-of-sale loans to consumers, working with merchants like Shopify, KAYAK, and Walmart. Buy now, pay later transactions have grown in popularity in recent years, and this business is tapping into the market with a totally different approach to credit - by delivering the Affirm card, the first US debit card with the option to pay-over-time.
Serving over 21 million consumers and over 300,000 merchants, the company offers flexible payback options ranging from 3 to 36 months. The interest rates run between 0% and 30%, so, while they are not necessarily the cheapest option, Affirm prides itself on having no fees for late payments, no hidden charges, and total transparency about what people will pay before they take out a loan.
Affirm collects payments from the customers and pays the merchants directly, shouldering the risk itself. The company has boosted its market share, expanding its availability beyond the US to include most of Canada, and continues to launch new features and create new partnerships towards bettering its offering.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
-11% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Sep 2020
$500m
SERIES G
Apr 2019
$300m
SERIES F
Total funding: $1.1bn
Company benefits
- Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- Spending Wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
- Supportive Communities: Get involved with our employee resource groups and community groups
- Remote-first Workforce: If your role is remote, you can set up shop anywhere in your home country
- Generous Time Off: Take the time you need when life happens
- Health Benefits: Get a plan that fits your needs
- Mental Healthcare: Take care of your mind with great mental health programs
- Parental Leave: Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
- Away Days: We offer 20 company-wide paid days off—which help our teams collectively pause to recharge
- Learning & Development: Engage in exciting learning programs to level up your growth
Company HQ
Chinatown, San Francisco, CA
Leadership
Max Levchin
(Co-Founder & CEO)Has founded/co-founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. Also worked at large brands including Google, Yelp, Yahoo, and Evernote.
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