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.
The Legal, Compliance, and Public Affairs team is a group of dedicated professionals committed to helping Affirm scale, innovate, and provide outstanding products for consumers, merchants, and key partners. We combine legal, compliance, and policy expertise to guide growth, shape products, and build trust across our ecosystem. Our work spans multiple professional disciplines and provides the foundation for Affirm’s mission to deliver honest financial products.
About the role
Our legal team is looking to add a Senior Counsel, Capital Markets to our growing Corporate Affairs function. This lawyer will lead and advise on broad-based efforts to build a diversified capitalization strategy. One should have an expert understanding of financing and corporate transactions, along with a desire to learn and grow in a legal role focused on capital markets and finance. In addition, this lawyer should have outstanding organizational and interpersonal skills, be capable of prioritizing responsibilities, and have the desire to work with internal and external customers. This attorney will report to the Director, Capital Markets Counsel and work closely with Affirm’s capital markets and bank partnerships business teams.
What you'll doAdvise and support the capital markets team in building out the company’s network of capital sources and strategies, including capital markets international expansion
Advise and support the bank partnerships team in building out the company's network of originating and card issuing partner banks
Independently lead each financing transaction or bank partner initiative from a legal perspective, from strategy discussions to deal execution and maintenance beyond closing
Draft, review and negotiate all US and international capital markets deal documents, including credit and security agreements, loan sale agreements, indentures, officer certificates, board and shareholder resolutions, and side letters
Demonstrate expert knowledge and understanding of lending and securities laws and regulations relating to capital markets transactions
Communicate legal advice in a clear, concise, and timely manner
Coordinate with cross-functional teams as a capital markets and/or bank partnership legal main point of contact, providing thought leadership on other special projects
7+ years of relevant law-firm experience, and we'd prefer some additional in-house experience (particularly if it's from a high-growth fintech start-up)
JD degree from a well-regarded law school and membership (in good standing) in a US state bar
Previous legal experience in structured and/or debt finance--term, revolving, and asset-based lending; warehouse and asset-backed financing; loan sales; securitizations; and creative forms of funding
Outstanding integrity and work ethic
Excellent business judgment and interpersonal skills, to facilitate negotiations with external and internal customers
Strong interpersonal and problem-solving skills, meticulous attention to detail, maturity, an eye for business, proactivity, and an excellent attitude
Proven experience as a key contributing member of a high performing team
Self-motivation and ability to take ownership of projects
Natural self-starter, with the ability to work efficiently (both solo and as part of a team)
Base Pay Grade - O
Equity Grade - 8
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 base pay range (CA, WA, NY, NJ, CT) per year: $220,000 - $280,000
USA base pay range (all other U.S. states) per year: $195,000 - $255,000
Please note that visa sponsorship is not available for this position.
#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.
Skills Required
- 7+ years of relevant law-firm experience
- Juris Doctor degree from a well-regarded law school
- Membership in good standing in a U.S. state bar
- Legal experience in structured and/or debt finance, including term, revolving, and asset-based lending
- Experience with warehouse and asset-backed financing, loan sales, securitizations, and creative forms of funding
- Strong understanding of lending and securities laws and regulations related to capital markets transactions
- Outstanding integrity and work ethic
- Excellent business judgment and interpersonal skills
- Strong interpersonal and problem-solving skills, attention to detail, maturity, business judgment, and proactivity
- Experience as a key contributing member of a high-performing team
- Self-motivation, project ownership, and ability to work independently and collaboratively
- Additional in-house legal experience, particularly at a high-growth fintech startup
What the Team is Saying
Affirm Compensation & Benefits Highlights
-
Affordable Benefits — Zero-premium healthcare for employees and dependents is highlighted, with the benefits portal showing $0 payroll contributions and company-paid premiums for medical, dental, and vision in 2026. Transparent plan-cost displays further underscore the low out-of-pocket burden.
-
Leave & Time Off Breadth — A wide mix is outlined, including Flexible Time Off for exempt employees, 20 accrued vacation days for non-exempt employees, Health Days, Bereavement, Life Happens leave, jury duty, and company-wide Away Days to reduce distractions. These programs collectively point to generous paid time provisions beyond standard PTO.
-
Wellbeing & Lifestyle Benefits — No‑cost mental health support is offered via Lyra, and Forma-administered wallets provide substantial monthly stipends (e.g., Lifestyle and Tech) along with a S.A.F.E. family‑building wallet with a $20,000 lifetime maximum. This combination indicates strong support for everyday wellness and major life events.
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.
Gallery
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.
