Affirm Jobs (NOW HIRING)

Job Summary:
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. This role involves owning the end-to-end bank product and operationalizing a new bank charter within Affirm's ecosystem.
Responsibilities:
• Own the end-to-end bank product. Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations. You are the person who holds the full picture of how the bank works within Affirm's ecosystem — and you drive it forward.
• Launch and own the bank’s deposit product. Ship Affirm’s bank deposit offering as part of launch, then own the deposit product roadmap on a go-forward basis – scaling from early launch to a multi-billion-dollar deposit base, making strategic decisions about how deposits integrate with Affirm's credit products and broader consumer experience.
• Operationalize the de novo bank build. Drive the cross-functional work required to stand up and scale bank operations — ensuring regulatory readiness, process maturity, vendor integrations, and seamless connectivity with Affirm's existing lending and money movement infrastructure.
• Drive originations through the bank entity. Shape how Affirm originates and retains loans through its own bank, working closely with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory compliance.
• Navigate banking compliance and regulatory requirements. Partner with Legal, Compliance, Risk, and the Bank's executive team to ensure all products and operations meet federal and state regulatory standards. Build compliance into the product from day one — not as an afterthought. Understand the unique demands of a de novo bank under FDIC and state supervision.
• Integrate the bank deposit product into Affirm's consumer ecosystem. Define clear domain boundaries, design requirements for new data flows, and integration points between the bank and Affirm Inc. — working across Servicing, Settlements, Consumer Payments, Checkout, and Growth teams to ensure the bank's products work seamlessly within the Affirm app and platform.
• Influence up and across the organization. Communicate strategy, tradeoffs, and priorities to senior leadership and the Bank Board with clarity and conviction. Build alignment across a broad set of stakeholders — Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership — who each bring different constraints and incentives.
Qualifications:
Required:
• 6+ years of product management experience, with demonstrated ability to operate as a strategic, independent leader on complex, ambiguous initiatives
• Proven program leadership at scale — you've owned high visibility cross-functional launches across many stakeholders, with direct exposure to executive leadership and/or boards.
• Experience in banking, deposits, or lending — you understand deposit products, bank charter operations, or loan origination mechanics and the regulatory landscape that governs them
• Strong technical fluency — you're comfortable working with engineers on system design, data models, API architecture, and core banking platform integrations
• Demonstrated ability to drive cross-functional alignment across Legal, Compliance, Engineering, Finance, and executive leadership in highly regulated environments
• Exceptional written and verbal communication — you can distill complex regulatory and financial concepts into clear, compelling narratives for diverse audiences including regulators, executives, and engineering teams
• Bias for action and intellectual curiosity — you move fast, ask hard questions, and take ownership before being asked
• Bachelor's degree in a related field or equivalent practical experience
Preferred:
• Bank charter experience is strongly preferred — you've been through or contributed meaningfully to a de novo bank launch or early-stage bank buildout
• Deposit product strategy experience is a strong plus — you've defined or scaled deposit products such as high yield savings accounts, spending accounts, or CDs, and you understand the levers of deposit growth, pricing, and consumer acquisition
• Experience in fintech, financial services, or banking; familiarity with BNPL, neobanking, or platform products is a plus
• Proficiency with AI-assisted tools (e.g., Claude, Cursor) to accelerate your own work and raise the bar for quality and speed
Company:
Affirm is a financial technology services company that offers installment loans to consumers at the point of sale. Founded in 2012, the company is headquartered in San Francisco, USA, with a team of 1001-5000 employees. The company is currently Late Stage.