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.
The Checkout Product team is at the heart of this mission-powering Affirm's core payment experience, frequently seen at merchant point of sale. This experience is distributed through direct merchant integrations and strategic platform partners, and is driven by a sophisticated, real-time, risk-based decisioning system spanning Identity, Fraud, Credit, and Pricing. We are looking for a Senior Director of Consumer Risk product to lead this critical surface area within Checkout. In this role, you will own the product vision, strategy, and execution across Credit, Pricing, and Fraud, enabling Affirm to grow responsibly while delivering best-in-class consumer and merchant experiences.
Affirm's proprietary underwriting is one of our greatest strengths. We only make money when consumers pay us back on time-aligning incentives and fundamentally reimagining how credit should work. As the leader of Consumer Risk product, you will help scale and evolve this system, balancing customer trust, merchant performance, and long-term business outcomes. This is a highly cross-functional, analytically rigorous, and commercially impactful role. You will lead and scale a team of Product Managers, partner deeply with Engineering, Machine Learning, Analytics, Risk, Finance, Legal, Design, and GTM teams, and influence senior leaders across the company.
What You'll Do - Own the end-to-end product vision, strategy, and execution for Consumer Risk within Checkout, encompassing Credit decisioning, Pricing, and Fraud prevention
- Translate Affirm's mission into a clear product roadmap that balances growth, risk, customer trust, and platform scalability
- Lead and scale a team of Product Managers owning distinct Consumer Risk surface areas, fostering a culture of accountability, learning, and high performance
- Partner closely with Machine Learning, Analytics and Engineering to shape model-driven product experiences, including underwriting logic, pricing frameworks, fraud signals, and decisioning platforms
- Drive quantitative storytelling-using data, experiments, and modeling to inform strategy, influence stakeholders, and guide tradeoffs
- Champion a customer-first mindset, ensuring risk experiences are transparent, fair, and intuitive for consumers while delivering strong outcomes for merchants
- Collaborate cross-functionally with Risk, Finance, Legal, Compliance, Design, Marketing, and GTM teams to deliver cohesive, scalable solutions
- Set and own key performance metrics (e.g., approval rate, conversion, loss rate, unit economics, LTV, fraud outcomes, customer trust metrics) and hold teams accountable to results
- Navigate complex organizational dynamics and influence senior stakeholders, including the executive team, with clear articulation of strategy, tradeoffs, and impact
- Balance near-term execution with long-term platform investments, ensuring Consumer Risk capabilities scale with Affirm's growth and partner ecosystem
What We Look For - 12+ years of Product Management experience, including leadership roles on fast-paced teams driving responsible, sustainable growth
- Deep experience working with Credit, Pricing, and/or Fraud stakeholders, with a strong understanding of:
- Credit: underwriting tradeoffs, unit economics, loss management, regulatory considerations
- Pricing: risk-based pricing, margin optimization, experimentation, and fairness considerations
- Fraud: adversarial systems, real-time decisioning, false positive/negative tradeoffs, and customer trust
- Strong quantitative and analytical orientation-comfortable engaging in model-level discussions, using data to drive decisions, and translating complexity into clear narratives
- Experience building and scaling platform and decisioning products, not just surface-level UX
- Proven track record of managing and mentoring large, geographically distributed PM teams
- Commercially minded with a high-agency, bias-to-action mindset and comfort making hard tradeoffs in ambiguous environments
- Exceptional communication and stakeholder management skills, with the ability to influence across functions and levels
- Experience working in design-forward organizations that prioritize clarity, transparency, and high-quality user experiences
- A systems thinker who can balance short-term business impact with long-term scalability and technical health
- Fintech, payments, or risk-heavy consumer product experience is a strong plus
Pay Grade - V
Equity Grade - 21
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: $340,000 - $375,000
USA base pay range (all other U.S. states) per year: $305,000 - $340,000
#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 On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
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