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 Capital Team
The Capital team manages the financial foundation that supports Affirm’s lending and innovation. We lead the funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. The team secures efficient funding while supporting sustainable business growth. We balance cost, flexibility, and risk to ensure Affirm’s financial resilience through all economic cycles. By optimizing capital structure and managing liquidity, we help build a scalable and resilient financial platform.
About the Role
We are looking for a highly technical and execution-oriented individual to join the Treasury team as a Capital Operations Analyst. Treasury is responsible for the capital management and operations, funding and liquidity planning, and balance sheet risk management of a rapidly growing FinTech company. In this particular role, you will focus on the funding operations for Affirm’s loan portfolio. This is a hands-on role for someone who enjoys solving problems in real time, digging into the operational details, and improving processes in a fast pace environment. You will have a unique opportunity to work cross-functionally across Capital, Finance, Product, and Engineering to drive better decisions and build long term solutions. The ideal candidate will feel comfortable rolling up their sleeves to manage day to day execution, while also displaying strong interpersonal skills to manage various stakeholders.
What You’ll Do
- Support all capital and funding operations and interface with internal partners as well as various external capital partners
- Develop a keen understanding of our loan portfolio and oversee the movement of loan related cash flows
- Build, automate, and enhance operational reporting, reconciliations, and monitoring to improve accuracy, scalability, and efficiency
- Manage ongoing internal and external audits for our funding facilities, including data validation, documentation, and coordination across stakeholders
- Support the evolution of capital operations by helping design scalable controls, governance frameworks, and operational best practices
- Lead monthly and quarterly investors financial reporting to ensure accurate and timely delivery
What We Look For
- 2+ years of experience in Treasury, capital markets, or investment operations, preferably at a financial services firm or Fintech
- BA/BS degree in a quantitative discipline (e.g., Finance, Economics, Mathematics or related field)
- Strong attention to detail, ownership mentality, and willingness to dive into day-to-day operations to execute
- Excellent proficiency in financial modeling and Excel
- Ability to thrive in a fast-paced, high-growth, and often ambiguous environment while balancing strategic thinking with operational rigor
- Strong understanding of loan life cycle, asset back financing capital structures, liquidity management, and cash and risk management solutions
- Familiarity with SQL, Python, workflow automation tools, or AI-enabled productivity tools is a strong plus
Pay Grade - F
Equity Grade - 2
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: $71,000 - $91,000
This posting is for an existing vacancy.
Please note that visa sponsorship is not available for this position.
#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.
Skills Required
- 2+ years of experience in Treasury, capital markets, or investment operations
- BA/BS degree in a quantitative discipline (Finance, Economics, Mathematics or related)
- Excellent proficiency in financial modeling and Excel
- Strong understanding of loan life cycle, asset-backed financing capital structures, liquidity management, and cash and risk management
- Strong attention to detail, ownership mentality, and willingness to dive into day-to-day operations
- Familiarity with SQL
- Familiarity with Python
- Familiarity with workflow automation tools or AI-enabled productivity tools
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Affordable Benefits — Healthcare coverage includes $0 employee medical premiums with robust dental, vision, and mental‑health programs that minimize out‑of‑pocket costs. Careers materials also describe expanded comprehensive benefits that reinforce affordability.
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Parental & Family Support — Paid parental leave provides 18 weeks for both birth and non‑birth parents plus a four‑week return‑to‑work transition at full base pay. Family‑building support is further enabled through dedicated spending wallets and related programs.
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Leave & Time Off Breadth — Time away is structured through generous/flexible PTO and company‑wide Away Days published annually, with added Health Days and Life Happens time for unexpected needs. These collective recharge days complement day‑to‑day flexibility.
Affirm Insights
What We Do
At Affirm, we help people say yes to the things that matter with flexible, transparent ways to pay over time. No hidden fees, no compound interest, and no fine print—just a smarter way to spend.
Why Work With Us
Who is an Affirmer? /noun/ Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
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Affirm Offices
Remote Workspace
Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
