Compliance Lead, Affirm
Fair Lending
$115-170k
Salary depends on location. + ESPP
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
$115-170k
Salary depends on location. + ESPP
More information about location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- 5+ years of experience in compliance, audit, or regulatory roles within financial services, with specific experience supporting Fair and Responsible Lending programs and regulations (e.g., ECOA/Reg B, UDAAP)
- Strong understanding of Fair Lending Compliance Management Systems, including risk assessments, testing, governance, and issue management across complex products and models
- Experience partnering with technical and business teams (e.g., credit risk, machine learning, product) to evaluate and mitigate risk in models and decision systems
- Ability to navigate ambiguity, apply regulatory judgment, and make informed decisions in a fast-evolving fintech and regulatory landscape
- Clear, concise communicator who can distill complex topics and influence stakeholders at all levels, including senior leadership and external partners
- Highly organized and proactive, with strong analytical and problem-solving skills
What the job involves
- The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners
- We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem
- Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products
- Affirm’s Compliance team designs and implements a compliance program that enables Affirm to proactively adhere to regulatory requirements while also identifying and addressing potential regulatory issues that may arise
- Compliance program activities include advisory, guidance & training, independent testing & monitoring, reporting, escalation, and oversight
- As the second line of defense, compliance proactively partners with the business to support new products, markets, and initiatives, change management, issue identification, and remediation plans, assessment and monitoring of third parties, and provides trends and data to enable informed decision making, strengthen controls or provide for better treatment of consumers
- Affirm is seeking a Compliance Lead who will support the company’s Fair Lending Program
- This position plays a fundamental role by delivering key results and providing subject matter expertise on regulatory requirements
- In this capacity, the Compliance Lead will collaborate with Legal, Product, Credit, Applied Machine Learning, Engineering and senior leadership to identify and assess fair lending risk within applicable requirements, and provide guidance to mitigate risk
- Remotely, the role will report to the Director of Fair Lending and will work cross-functionally with other teams
- Support second-line oversight of Fair Lending risk across the full credit lifecycle
- Partner cross-functionally with Product, Credit, Machine Learning, Engineering, and Legal to embed Fair Lending considerations into product design, model development, and go-to-market decisions
- Own and evolve key components of Affirm’s Fair Lending Program, including governance, risk assessments, monitoring, and testing frameworks
- Provide clear, actionable guidance on complex regulatory expectations (e.g., ECOA/Reg B, UDAAP) and translate them into practical solutions across the product lifecycle
- Build trusted relationships with internal stakeholders and external partners to ensure transparency, accountability, and alignment on compliance risk
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.
Share this job
View 120 more jobs at Affirm