Senior Product Manager, Capital

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 Product team

The Product team listens to our customers' needs and translates those insights into a clear product vision. The team works closely with design, engineering, and analytics to build scalable financial products that empower people to manage their money with confidence. We rely on empathy, curiosity, and business sense to prioritize features and improve experiences.

Our role is to lead with clarity, support cross-functional execution, and champion the user in every decision.

About the role

As Affirm continues its rapid growth, it's critical for the company to scale its funding capacity and loan origination capabilities to support the growing billions of dollars in loans that Affirm underwrites every year.

That's where Capital Product comes in. The Capital Product team is responsible for conceiving, designing, and building the next generation of tools, systems, and processes required to scale Affirm's intricate Capital operations.

Within Capital, the Originations product area is the engine that powers how every Affirm loan comes into existence, managing the integrations, allocation logic, and regulatory compliance across our network of originating bank partners and our own originating entities.

We're looking for a Senior Product Manager to own the Originations product area end-to-end. You'll be the single-threaded owner of originator integrations, allocation logic, bank partner onboarding, and the systems that ensure every checkout can be fulfilled with the right origination capacity.

You'll drive product strategy and execution in close partnership with the Loan Origination & Reporting (LOR) engineering team, while navigating a complex web of internal and external stakeholders across Bank Partnerships, Credit, Compliance, and Capital Markets.

What You'll Do

• Own the Originations product area end-to-end: Serve as the single-threaded product owner for originator integrations, originator allocation, bank partner onboarding, and the Funding ETL, the primary database powering all Capital activities. You hold the full picture of how loans are originated at Affirm and you drive it forward.
• Build deep expertise in the originator ecosystem: Become the definitive internal expert on Affirm's originating bank partners and internal originating entities, understanding their capabilities, regulatory constraints, volume dynamics, and integration requirements. Use that expertise to drive strategy for expanding and diversifying the originator network.
• Own originator allocation and ensure coverage: Own the allocation logic that determines which originator is selected for every loan at checkout, balancing volume targets, regulatory restrictions, and originator preferences. Coverage gaps here mean loans that can't be originated, so reliability and completeness are the bar.
• Define and drive origination health metrics: Set clear success metrics for the origination product, own product-originator coverage tracking, and ensure data quality in the Funding ETL that downstream Capital teams depend on. You are accountable for the numbers that tell Affirm whether origination is working.
• Set strategy and execute the roadmap: Translate business needs, regulatory requirements, and engineering constraints into a clear, prioritized origination roadmap. Write crisp PRDs, define testable milestones, and partner closely with the LOR engineering team to ship.
• Lead cross-functional execution across a complex stakeholder map: Partner with Bank Partnerships, Credit, Legal, Compliance, and Capital Markets to navigate regulatory changes, onboard new partners, and keep origination systems tightly integrated with downstream funding, settlement, and reporting pipelines. This role touches nearly every part of Affirm's financial infrastructure.

What We're Looking For

• 5+ years of product management experience in fintech, lending, payments, or financial services
• Proven track record of launching complex, cross-functional products at scale, from concept through production, with clear business impact
• Experience designing and owning platform products that serve internal stakeholders with hard operational SLAs
• Solid technical fluency: comfortable partnering with engineers on system design, APIs, data pipelines, and batch processing, and capable of forming strong technical opinions
• Strong prioritization and strategic judgment: identifies high-impact opportunities, balances urgency with long-term thinking, and turns ambiguous or conflicting inputs into clear, well-scoped specs
• Outstanding communicator and influencer across a wide stakeholder audience, including senior leadership, engineering partners, and external partners; builds trust quickly and drives alignment
• High AI fluency: uses AI-assisted tools to raise the quality and speed of your own work and models this mindset for others
• This position requires either equivalent practical experience or a Bachelor's degree in a related field

Pay Grade - N

Equity Grade - 9

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.

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