Senior Product Manager, Affirm
Card Platform
$169-240k
+ Employee stock purchase plan. Salary varies depending on location
POS installment loans
Be an early applicant
POS installment loans
1001+ employees
Be an early applicant
$169-240k
+ Employee stock purchase plan. Salary varies depending on location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- This role requires strong product judgment, cross-functional leadership, and deep domain expertise in card issuing and payments infrastructure. The ideal candidate is outcomes-driven, action-oriented, and comfortable leading a high-growth product domain with complex cross-functional and external dependencies
- 4+ years of product management experience, including ownership of complex, cross-functional software platforms
- Experience working in the card payments ecosystem at a fintech, issuing or acquiring bank, card processor, network, or payments infrastructure company
- Hands-on experience with cardflows and how they interact with ledgers, cash accounts, and reconciliation processes
- Strong understanding of the card issuing and acquiring lifecycle, including familiarity with card network message schemas and how transactions translate into issuer–acquirer message flows across the lifecycle
- Proven ability to influence stakeholders and partner closely with Engineering, Finance, and external partners on funding strategy, accounting alignment, cash tracking, and reconciliation workflows
- Demonstrated ability to operate in ambiguity, synthesize incomplete inputs, and drive execution from concept through launch
- Comfort working with technical systems (APIs, files, schemas) and translating complex financial flows into precise product requirements
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field
What the job involves
- Affirm’s card portfolio is one of the company’s fastest-growing product areas, expanding rapidly across new product lines, geographies, and channels. This role sits at the center of that growth—building and scaling the platform capabilities that enable new launches, unlock faster settlement and funding models, and support increasingly complex card programs at scale
- As a Senior Product Manager on the Card Platform team, you will own the strategy and execution for Affirm’s Money Movement and Ledgers across the full suite of the company’s card products. You will lead development of critical systems that power funding flows, settlement orchestration, liquidity management, and reconciliation across product-lines, processors, card networks, and issuing-bank partners
- You will work cross-functionally with Engineering, Finance, Analytics, Legal/Compliance, and Partnerships to deliver high-integrity platform solutions that enable Affirm’s products to scale and grow to new heights
- Own and drive the product roadmap for card funding flows, settlement orchestration, ledger posting, and reconciliation, balancing near-term delivery with long-term platform scalability
- Design scalable reconciliation and exception-handling systems that ensure all settlements, disbursements, and funds movements are accurately posted, traceable, and reportable via card ledgers
- Evolve Affirm funding and liquidity orchestration models across multiple capital sources (e.g., consumer balances, treasury accounts, credit facilities) to optimize capital efficiency and program resiliency
- Define and launch new card programs from 0→1, including program account structures, funding mechanics, and reconciliation frameworks, to support expansion into new products, geographies, and channels, in close partnership with issuing banks and processors
- Lead cross-functional execution across Engineering, Finance, Analytics, Legal/Compliance, and Operations to deliver reliable, compliant, and fully traceable money movement and ledger systems
- Address unique funding challenges at the intersection of BNPL and card issuing through platform innovation that improves funding flows, accelerates settlement, and strengthens ledger resilience across card programs
- Serve as a card-issuing domain expert and trusted partner, with deep understanding of processor, issuing-bank, and network interactions, card program economics, and how Affirm’s products operate within that ecosystem
- Measure and improve platform health, defining success metrics such as settlement success rates, reconciliation coverage, exception volumes, and time-to-resolution; establish SLAs, runbooks, and observability for critical money-movement pipelines
- Communicate clearly with senior leaders, presenting insights, tradeoffs, and recommendations that inform strategy and drive company objectives
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.
Boasting over 21M consumers and 337,000+ 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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