Staff Product Manager, Affirm Bank

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. Affirm is building its own bank — and this role sits at the center of that ambition. We’re looking for a Staff Product Manager who has shipped a consumer-facing deposit or fintech product to market. You’ll own the end-to-end bank product: launching the deposit product to consumers, operationalizing a new bank charter within Affirm’s ecosystem, driving loan originations through the bank entity, and ensuring seamless integration across Affirm’s platform. This is a rare opportunity to build a foundational new business line from the ground up — one that will reshape how Affirm funds, serves, and grows relationships with its consumers. You’ll work at the intersection of regulated banking, platform engineering, and consumer products to bring Affirm’s bank to life. What You’ll Do - 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. - Partner cross-functionally with Engineering, Marketing, Branding, Content, and Design to shape the consumer deposit experience and go-to-market strategy, including owning positioning, launch sequencing, and consumer-facing messaging for the deposit product. - Own the roadmap for the deposit product on a go-forward basis, scaling from early launch to a multi-billion-dollar deposit base and making strategic decisions about how deposits integrate with Affirm’s credit products and broader consumer experience. - Collaborate cross-functionally across Affirm’s internal teams and with our external vendors to ensure stakeholders are aligned on the vision for launch. - Partner with Legal, Compliance, Risk, and the Bank’s executive team to drive bank operations readiness — regulatory readiness, process maturity, and vendor selection and integration (deposit core, fraud, KYC). - Communicate strategy and tradeoffs to senior leadership and the Bank Board, and build alignment across Engineering, Legal, Compliance, Treasury, and Capital Markets. What we look for - 6+ years of product management experience, with demonstrated ability to operate as a strategic, independent leader on complex, ambiguous initiatives - Experience growing or launching a regulated consumer-facing product in the financial services industry with go-to-market experience - Proven program leadership at scale — you’ve owned high-visibility cross-functional launches across many stakeholders, with direct exposure to leadership - Strong technical fluency — you’re comfortable working with engineers on system design, data models, API architecture, and core banking platform integrations - 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 - Proficiency with AI-assisted tools (e.g., Claude, Cursor) to accelerate your own work and raise the bar for quality and speed - Bachelor’s degree in a related field or equivalent practical experience Pay Grade - P Equity Grade - 13 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: $230,000 - $290,000 USA base pay range (all other U.S. states) per year: $204,000 - $264,000 #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 O

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. 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. Strong technical fluency — you're comfortable working with engineers on system design, data models, API architecture, and core banking platform integrations. Proficiency with AI-assisted tools (e.g., Claude, Cursor) to accelerate your own work and raise the bar for quality and speed. 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.

Own the end-to-end bank product. Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations. Launch and own the bank’s deposit product, ship Affirm’s bank deposit offering at launch, then own the deposit product roadmap going forward, scaling from early launch to a multi-billion-dollar deposit base, and determine how deposits integrate with Affirm's credit products and broader consumer experience. Operationalize the de novo bank build by driving cross-functional work to stand up and scale bank operations, ensuring regulatory readiness, process maturity, vendor integrations, and connectivity with Affirm's lending and money movement infrastructure. Drive originations through the bank entity by shaping how Affirm originates and retains loans through its own bank, collaborating with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention, and regulatory compliance. Navigate banking compliance and regulatory requirements by partnering with Legal, Compliance, Risk, and the Bank's executive team to ensure products and operations meet federal and state standards, building compliance into the product from day one. Integrate the bank deposit product into Affirm's consumer ecosystem by defining domain boundaries, data flows, and integration points between the bank and Affirm Inc., coordinating with Servicing, Settlements, Consumer Payments, Checkout, and Growth teams to ensure seamless operation within the Affirm app and platform. Influence the organization by communicating strategy, tradeoffs, and priorities to senior leadership and the Bank Board, building alignment across Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership.