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 to own the end-to-end bank product: operationalizing a new bank charter within affirm's ecosystem, launching the deposit product, 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

• Own the end-to-end bank product. 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.
• Launch and own the bank’s deposit product. Ship affirm’s bank deposit offering as part of launch, then own the deposit product roadmap on a go-forward basis – scaling from early launch to a multi-billion-dollar deposit base, making strategic decisions about how deposits integrate with affirm's credit products and broader consumer experience.
• Operationalize the de novo bank build. Drive the cross-functional work required to stand up and scale bank operations — ensuring regulatory readiness, process maturity, vendor integrations, and seamless connectivity with affirm's existing lending and money movement infrastructure.
• Drive originations through the bank entity. Shape how affirm originates and retains loans through its own bank, working closely with credit, capital markets, engineering, and treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory compliance.
• Navigate banking compliance and regulatory requirements. Partner with legal, compliance, risk, and the bank's executive team to ensure all products and operations meet federal and state regulatory standards. Build compliance into the product from day one — not as an afterthought. Understand the unique demands of a de novo bank under FDIC and state supervision.
• Integrate the bank deposit product into affirm's consumer ecosystem. Define clear domain boundaries, design requirements for new data flows, and integration points between the bank and affirm inc. — working across servicing, settlements, consumer payments, checkout, and growth teams to ensure the bank's products work seamlessly within the affirm app and platform.
• Influence up and across the organization. Communicate strategy, tradeoffs, and priorities to senior leadership and the bank board with clarity and conviction. Build alignment across a broad set of stakeholders — engineering, legal, compliance, treasury, capital markets, and executive leadership — who each bring different constraints and incentives.

What We Look For

• 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 before being asked
• Bachelor's degree in a related field or equivalent practical experience

Compensation

Pay grade: P

Equity grade: 7

Base pay per year: $178,000 - $228,000

Benefits

• 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.