Affirm

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. About the roleAffirm is building the next generation of consumer finance, and the Affirm Card sits at the center of that vision—blending debit, pay-over-time, and network-native experiences into a single product. We’re looking for a Director of Product to lead the Affirm Card and Card Platform—owning both the end-user experience, the business outcomes of every card product, and the underlying platform that powers card issuance, authorization, servicing, and partner integrations. This is a pillar-level leadership role responsible for defining strategy, building a high-performing team, and delivering durable business outcomes across one of Affirm’s most strategic product areas. What you’ll doOwn the Card domain end-to-end - Define and drive the multi-year vision for Affirm Card across consumer experience, growth, and economics, inclusive of new card products that complement the one we have in market today. - Lead the US direct to consumer card products (Affirm Cards, and in app virtual cards) - Oversee our Card Platform (authorization, ledgering, servicing, controls) which powers the D2C products both domestically and internationally, along with a number of merchant and partner integrations. - Translate company strategy into a coherent roadmap spanning multiple teams and systems Build and scale a high-performing product organization - Manage and develop a team of PMs and PM leaders - Establish product standards, operating cadence, and decision frameworks - Build a durable org that delivers high-quality outcomes without direct involvement in every decision Drive business outcomes at scale - Own GMV, engagement, unit economics, and credit outcomes for the Card domain - Shape investment strategy, tradeoffs, and resource allocation across multiple product areas - Partner with Finance and Credit to optimize profitability and risk Lead platform strategy and execution - Drive platform capabilities that unlock velocity across Affirm (APIs, controls, servicing systems) - Partner deeply with Engineering to make cost vs. value tradeoffs at the system level - Ensure the Card Platform scales reliably across use cases, geographies, and partners Operate as a cross-functional leader - Align senior stakeholders across Engineering, Design, Credit, Legal, Partnerships, and GTM - Build strong relationships with external partners (networks, processors, wallet providers) - Represent the Card domain in executive forums and company planning cycles What we look forProduct leadership at scale - 15+ years in product management, with experience leading multi-team product areas or platforms - Track record of owning large domains or business lines with meaningful financial impact Org-building capability - Experience managing managers and building high-performing PM teams - Proven ability to create systems, processes, and culture that scale Strategic and systems thinker - Ability to operate at portfolio-level altitude—connecting product decisions to company strategy - Strong judgment across second- and third-order tradeoffs, especially in complex systems Platform + fintech depth - Experience in payments, cards, fintech, or adjacent infrastructure - Comfort working on both consumer-facing products and backend platforms Execution and influence - Ability to drive alignment across senior stakeholders and functions - Strong product instincts paired with rigorous, data-driven decision-making Why this role mattersAffirm Card is one of the fastest-growing parts of the business and a key driver of long-term differentiation. This role will shape: - How Affirm shows up every day in consumers’ wallets - How we blend debit, credit, and pay-over-time into one experience - The platform foundation that enables future financial products 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. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, which includes the annual base pay and the sales incentive target. 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 On Target Earnings (CA, WA, NY, NJ, CT) per year: $391,000 - $431,250 USA On Target Earnings (all other U.S. states) per year: $350,750 - $391,000 #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.

• Owning and delivering quarterly goals for your team • Leading engineers on your team through ambiguity • Supporting peers and stakeholders in product development lifecycle • Collaborating with product management, design & analytics • Proactively identifying project, process, technology or business issues • Supporting operations and availability of your team’s artifacts • Fostering a culture of quality and ownership on your team

• Owning and delivering quarterly goals for your team • Leading engineers on your team through ambiguity to solve open-ended problems • Collaborating with product management, design & analytics by participating in ideation • Advocating for and leading in solving project, process, technology or business issues • Creating and monitoring metrics, escalating when needed • Fostering a culture of quality and ownership on your team by setting code review and design standards • Helping develop talent on your team by providing feedback and guidance

• Influence technical strategy: Define and drive the long-term technical roadmap for Affirm’s Lakehouse Platform across Apache Iceberg, Spark, Snowflake, and cloud-native storage, balancing scalability, reliability, governance, performance, and cost. • Design and develop: Architect and implement platform capabilities that make analytical data secure, trustworthy, discoverable, and easy to use across Affirm’s engineering, analytics, machine learning, and business teams. • Strengthen governance and access controls: Design and operate secure, auditable data access capabilities across Snowflake and the lakehouse platform, including RBAC, dynamic data masking, cataloging, lineage, classification, and privacy policy enforcement. • Improve analytics engineering foundations: Partner with Analytics Engineering to evolve data modeling, transformation pipelines, testing frameworks, documentation standards, and data quality practices that enable trustworthy self-service analytics. • Operate at scale: Establish best practices for lakehouse operations, including schema evolution, table maintenance, partitioning, compaction, observability, incident response, production support, and readiness for on-call operations. • Optimize performance and cost: Identify and execute improvements across analytical compute and storage, including Snowflake warehouse tuning, query optimization, storage layout, lifecycle management, cost attribution, and operational efficiency. • Collaborate cross-functionally: Partner with Infrastructure, Lakehouse Analytics, Analytics Engineering, Machine Learning, BI, Product Engineering, and SRE to translate stakeholder needs into durable platform architecture. • Innovate: Stay ahead of industry trends in lakehouse architecture, open table formats, analytical compute engines, data governance, privacy engineering, semantic layers, agentic data tools, and AI-ready data infrastructure. • Build teams: Mentor engineers, raise technical quality, and foster an inclusive culture of design rigor, operational excellence, and continuous learning.

• Influence technical strategy: Define and drive the long-term technical roadmap for Affirm’s Lakehouse Platform across Apache Iceberg, Spark, Snowflake, and cloud-native storage, balancing scalability, reliability, governance, performance, and cost. • Design and develop: Architect and implement platform capabilities that make analytical data secure, trustworthy, discoverable, and easy to use across Affirm’s engineering, analytics, machine learning, and business teams. • Strengthen governance and access controls: Design and operate secure, auditable data access capabilities across Snowflake and the lakehouse platform, including RBAC, dynamic data masking, cataloging, lineage, classification, and privacy policy enforcement. • Improve analytics engineering foundations: Partner with Analytics Engineering to evolve data modeling, transformation pipelines, testing frameworks, documentation standards, and data quality practices that enable trustworthy self-service analytics. • Operate at scale: Establish best practices for lakehouse operations, including schema evolution, table maintenance, partitioning, compaction, observability, incident response, production support, and readiness for on-call operations. • Optimize performance and cost: Identify and execute improvements across analytical compute and storage, including Snowflake warehouse tuning, query optimization, storage layout, lifecycle management, cost attribution, and operational efficiency. • Collaborate cross-functionally: Partner with Infrastructure, Lakehouse Analytics, Analytics Engineering, Machine Learning, BI, Product Engineering, and SRE to translate stakeholder needs into durable platform architecture. • Innovate: Stay ahead of industry trends in lakehouse architecture, open table formats, analytical compute engines, data governance, privacy engineering, semantic layers, agentic data tools, and AI-ready data infrastructure. • Build teams: Mentor engineers, raise technical quality, and foster an inclusive culture of design rigor, operational excellence, and continuous learning.

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. About the teamProduct Design at Affirm drives business success by exceeding user expectations. We are a collaborative, agile team that continues to strive for greater solutions. We partner closely with Product, Engineering, and Analytics to translate complex user needs into simple, intuitive, and scalable product experiences. We rely on empathy, design craft, and systems thinking to champion the user in every decision, ensuring our products empower people to manage their money with confidence. About the roleWe are looking for an experienced Staff Product Designer to join us at a critical juncture as we evolve how our users interact with Affirm through agentic solutions. You will lead the effort to help establish when, where and how we utilize AI to consistently help the consumer in the moment, providing them with proactive experiences. You will partner closely with Product to define a roadmap for success. This role focuses on building a hybrid search and discovery interface that seamlessly balances the high-intent efficiency of traditional UI with the discovery power of AI. In addition, you will help create a unified vision on how AI can transform our consumer touchpoints. What you’ll do - Own and drive design AI and agentic initiatives for Affirm’s Consumer experience, delivering high-impact, customer-centric solutions that align with business objectives. - Design intuitive, conversational, and agentic patterns that feel proactive and helpful, moving beyond reactive commerce to anticipation. - Define the design language for Affirm’s future AI-driven interactions, prioritizing trust, clarity, and predictable outcomes for our users. - Collaborate cross-functionally with product, engineering, data science, marketing, and research to drive innovation and deliver seamless, intuitive experiences. - Embrace agility—iterating quickly, adapting to change, and making data-driven decisions while maintaining a strong vision for the future. - Balance near-term execution with long-term strategic thinking, ensuring scalability and coherence across the Affirm ecosystem. - Push the envelope—challenge the status quo, think outside the box, and take calculated risks to drive meaningful innovation in financial products. - Bring exceptional visual and interaction design skills to craft delightful, polished experiences that build trust and confidence. - Champion a test-and-learn mindset, leveraging experimentation, research, and analytics to continuously refine and optimize user experiences. What we look forAI Product Design & Strategic Vision - AI/Agentic Design Experience: Proven track record of designing AI-driven, agentic, or conversational user interfaces that deliver real user value. - Advanced Prototyping: Proficiency in prototyping non-linear, multi-modal user flows to test and validate complex AI interactions. - Human-Centered AI Principles: Strong understanding of HCAI principles, focusing on user trust, transparency, system feedback, and explainability. - High-Stakes Design: Ability to navigate and design for complex, high-stakes consumer financial products where trust is paramount. Leadership & Strategy - Experience at Scale: 8+ years of product design experience with significant time dedicated to problem solving complex experiences and shipping new products. - Proactive & Adaptable: You thrive in fast-paced, evolving environments and take initiative to drive progress. - Strong Product Sense: You deeply understand user needs, business goals, and technical constraints—and can balance them effectively in your design decisions. - Data-Informed & Risk-Taking: You use data to guide your thinking but aren’t afraid to challenge assumptions and explore bold ideas. - Collaborative & Humble: You value diverse perspectives, work well with cross-functional partners, and are open to feedback to make the best decisions for our users. - Exceptional Craft & Visual Skills: You have a keen eye for detail, design systems, and interaction patterns that elevate user experiences. - Passion for Innovation: You’re excited about the challenge of designing financial products that improve people’s lives and want to push the industry forward. Pay Grade - N Equity Grade - 12 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: $195,000 - $255,000 USA base pay range (all other U.S. states) per year: $173,000 - $233,000 #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.

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. Machine Learning is central to how Affirm delivers on its mission, powering decisions across underwriting, fraud, servicing, and personalization. We are seeking a Software Engineer II to join our ML Training & Serving engineering team, the team that builds and operates the critical infrastructure that enables models to be trained and served across Affirm. This role sits at the intersection of distributed systems, ML infrastructure, and platform engineering. We value engineers who listen closely, invite feedback, and work effectively across organizational boundaries, while maintaining a high bar for ownership, technical judgment, and execution. Strong candidates care about building reliable shared platforms, improving developer velocity, and creating durable systems that enable teams across the company to move faster with confidence. What You'll Do - With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work. - You will support your peers and stakeholders in the product development lifecycle by collaborating across engineering, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. - You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. - You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. What We Look For - You have a total of 1.5+ years of experience as a software engineer. - You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. - You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes. - You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. - You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. - Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. - You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Location - Remote Canada This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan. Pay Grade - L Equity Grade - 5 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). CAN base pay range per year: 133,000 - 183,000 CAD Additional benefits include: • Flexible Spending Wallets for tech, food and lifestyle • Away Days - wellness days to take off work and recharge • Learning & Development programs • Parental benefits • Employee Resource & Community Groups #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.

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. Machine Learning is central to how Affirm delivers on its mission, powering decisions across underwriting, fraud, servicing, and personalization. We are seeking a Software Engineer II to join our ML Training & Serving engineering team, the team that builds and operates the critical infrastructure that enables models to be trained and served across Affirm. This role sits at the intersection of distributed systems, ML infrastructure, and platform engineering. We value engineers who listen closely, invite feedback, and work effectively across organizational boundaries, while maintaining a high bar for ownership, technical judgment, and execution. Strong candidates care about building reliable shared platforms, improving developer velocity, and creating durable systems that enable teams across the company to move faster with confidence. What You'll Do - With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work. - You will support your peers and stakeholders in the product development lifecycle by collaborating across engineering, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. - You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. - You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. What We Look For - You have a total of 1.5+ years of experience as a software engineer. - You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. - You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes. - You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. - You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. - Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. - You have strong verbal and written communication skills that support effective collaboration with our global engineering team. - This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Pay Grade - L Equity Grade - 6 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: $165,000 - 225,000 USD USA base pay range (all other U.S. states) per year: $146,000 - 206,000 USD Additional benefits include: • Flexible Spending Wallets for tech, food and lifestyle • Away Days - wellness days to take off work and recharge • Learning & Development programs • Parental benefits • Employee Resource & Community Groups #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.

• Build scalable systems and data pipelines for consumer credit reporting • Collaborate with Product, Compliance, Servicing, and Credit teams • Design robust reporting systems for financial products • Create and monitor metrics for team artifacts • Participate in interview processes and engage in growth activities • On-call rotation as a requirement

• With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work. • You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. • You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. • You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.