Senior Product Manager, Credit & Pricing

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

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

• We're looking for an outstanding product manager who is not bound by the existing paradigms of traditional banks.
• This role is part of the Credit & Pricing Product team, responsible for consumer credit, underwriting, merchant pricing, and loan economics across the entire portfolio of merchants and channel partnerships.
• In joining this team, you will be at the center of Affirm's credit & pricing strategy to expand our footprint into new verticals and product offerings.
• The team drives innovative solutions that fuel all end user experiences in the US and globally while partnering with a wide variety of teams including but not limited to product, engineering, analytics, design, marketing, legal, capital, commercial and more.

What you'll do

• Define and drive product strategy in collaboration with your peers in Credit & Pricing engineering, analytics, and go-to-market teams.
• Define new products and features with specs and prototypes that enable merchants to offer consumers attractive financing terms.
• Analyze the impact of product features and define metrics for success.
• Establish yourself as a trusted partner of our Credit, Pricing, Commercial, Design, and Engineering teams to successfully launch and scale products.
• Collaborate across product teams to support initiatives that interface with Affirm's Credit & Pricing capabilities (e.g., international expansion, large merchant integrations, new product verticals, cost optimizations).

What we look for

• Motivation: You have a passion and drive to change consumer finance for the better.
• Analytical skills: You have a data-driven learning style and use quantitative information to make product decisions.
• Experimental mindset: You like to test and learn in a way that incorporates both customer needs and data. You must be comfortable operating autonomously and unafraid to learn/fail fast.
• Results: Experience shipping simple, elegant user-facing products with measurable impact to the bottom line.
• Product experience: Minimum 3-4 years of prior product or relevant experience in consumer finance, payments, underwriting, and machine learning models.
• Bachelor's or Master's in Computer Science, or other related fields; or equivalent practical experience.

Pay Grade - N

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.)

This posting is for an existing vacancy.

#LI-Remote

Remote-first with flexibility built in

• Affirm is proud to be a remote-first company.
• Most roles can be done from almost anywhere within the country of employment.
• Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work.
• All new hires will be invited to attend an in-person onboarding experience.

Benefits

designed for you

Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

• We're committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we're happy to help.
• For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
• By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.