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.
The Backbook Risk Team is responsible for Affirm’s backbook strategy and operational execution. This team is responsible for managing its collection and recovery processes while striving to maximize NACO reductions and efficiently manage operational expenses. This team works cross-functionally with Risk, Compliance, Machine Learning, Product, Engineering, Operations, Analytics, and Finance teams to define and execute the Backbook Risk strategies, improve collection rates and ensure compliance with all local, state and national laws and regulations.
As a Backbook Operations Process Manager, you will play a pivotal role in guiding the backbook operations team as it looks to grow, scale and develop both domestically and internationally. We are seeking a dynamic leader with a robust background in process improvement, data analysis, and project management, who is passionate about creating efficient, effective, changes and improvements to our existing frameworks. In this role, you will lead the team in writing, developing, implementing and maintaining the policies that guide our backbook risk processes. You will craft and execute strategies to drive continuous improvement and foster cross-functional collaboration.
This role also requires extensive use of data analytics to derive insights, and develop operational strategies that improves an agent's ability to collect on delinquent debts in the most cost effective manner possible. Collaborating with cross-functional partners, the operations process manager works with the larger Backbook Operations team as well as Product teams to develop strategies and processes that improve the businesses net charge off rate while maintaining or lower its operational expenses. This role is also expected to work heavily with the broader Risk and Finance teams to help facilitate discussions on portfolio performance and loss forecasting.
Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience!
What You'll Do
- Act as a primary liaison for internal and external partners, leading project planning and product integrations with a focus on building strong relationships, coordinating cross-functional team efforts, and aligning partner priorities with our strategic goals.
- In collaboration with the Operations, Credit Analytics, Product, Machine Learning, and Finance teams, mature and evolve staffing models to drive performance while optimizing costs.
- Employ a data-driven approach to decision-making, providing the team with quantitative and qualitative insights to support strategic initiatives.
- Design and develop solutions to track key portfolio metrics, monitor risk / macroeconomic trends and communicate findings to stakeholders.
- Own end-to-end policy creation, maintenance, review, and governance for Backbook Risk Management.
- Solve interesting collection and operational challenges with alternative data and advanced analytics.
What We Look For
- Passion to redefine the lending and financial industry for the better.
- 6+ years of work experience in operational roles within Fintech/Banking.
- 4+ years of project management experience.
- Experience with data visualization tools is a must, data querying skills are a bonus.
- Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends.)
- Ability to communicate findings and recommendations clearly to both technical and non-technical audiences.
- Intelligence + Humility. Hubris is the fastest way to blow up a business!
Pay Grade - J
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.)
USA Pacific base pay range (CA, WA, NY, NJ, CT): $130,000 - $170,000
USA Sapphire base pay range (all other U.S. states): $115,000 - $155,000
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 the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
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What the Team is Saying
What We Do
Since our founding over a decade ago, our mission has been to deliver honest financial products that improve lives. That mission hasn’t changed—and it never will. At Affirm, we believe money shouldn’t dictate your direction in life. That it should open up options instead of limiting them, and help you get where you’re going without getting in your way. That’s why we offer people the financial flexibility to choose what works for them—in finances and in life.
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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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.
