Head of Product Management F/M

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.
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.
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. 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.

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
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
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

Equity Grade - 13
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.)
CAN base pay range per year: $270,000 - $310,000 ($CAD)
#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.
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
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