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 Product team listens to our customers’ needs and translates those insights into a clear product vision. The team works closely with design, engineering, and analytics to build scalable financial products that empower people to manage their money with confidence. We rely on empathy, curiosity, and business sense to prioritize features and improve experiences. Our role is to lead with clarity, support cross-functional execution, and champion the user in every decision.
About the roleMillions of people use the Affirm Card, but we don’t yet give them a reason to keep coming back beyond the product itself. You’ll build our consumer loyalty program from scratch: what people earn, how they move up, and why Affirm becomes their default way to pay.
What you’ll doOwn the vision and roadmap for Affirm’s consumer loyalty program, setting the hypotheses, success metrics, and sequencing across multiple quarters
Launch the first version of rewards and tiers, including earn mechanics, member benefits, redemption, and the surfaces that make the value obvious in app, at checkout, and after a purchase
Build the engagement loops (progress, milestones, personalized offers) that turn a one-time borrower into someone who reaches for Affirm every week
Own the program economics: reward liability, funding mix across merchant-funded offers, interchange and network incentives, and the case for incremental GMV against cost per member
Set up the measurement foundation for loyalty, including holdouts, incrementality testing and long-run LTV, then tune earn and burn rates and tier thresholds off what the data says
Partner with Risk, Credit, Legal, Compliance, Finance and Marketing to design rewards that are compliant and clearly disclosed, with no hidden fees or fine print that surprises people
Align senior stakeholders and pull together dependencies across Card, Shopping, Servicing and Marketing, leading embedded engineering and design pods through a lot of ambiguity
8+ years in Product Management, with a track record in consumer mobile apps, fintech, or neobanks
Built or scaled a loyalty, rewards or engagement program: card rewards, points, tiers, subscription benefits, or something equivalent. You know earn and burn mechanics and what makes a program pay for itself
History of launching products from scratch, not just optimizing what already exists
Owned repeat usage, cohort retention or share of wallet as a primary metric, and know which levers actually move them
Comfortable building the financial model yourself and defending reward cost, funding mix and payback to Finance and leadership
Strong UX instincts and a high bar for design. You know the difference between a reward that feels good and a badge buried in a settings menu
Deep fluency in experiment design, incrementality/attribution, and LTV measurement; data chops (SQL/Amplitude-level self-serve) and a bias for shipping, learning and iterating quickly
Track record shipping consumer financial or regulated products; comfort partnering with Risk/Credit, Legal, and Compliance
Excellent cross-functional leadership, including experience leading without authority
AI tools like Claude Code, Cursor, and others to research, analyze and prototype, and help develop better product vision
Bachelor’s degree in a related field or equivalent practical experience
Base Pay Grade - P
Equity Grade - 7
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: $181,000 - $241,000
This posting is for an existing vacancy.
#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
- 8+ years of Product Management experience
- Experience in consumer mobile apps, fintech, or neobanks
- Built or scaled a loyalty, rewards, engagement, card rewards, points, tiers, or subscription benefits program
- Track record of launching products from scratch
- Experience owning repeat usage, cohort retention, or share of wallet metrics
- Ability to build financial models and defend reward costs, funding mix, and payback
- Strong UX instincts and high design standards
- Fluency in experiment design, incrementality, attribution, and LTV measurement
- Data proficiency, including SQL or Amplitude-level self-serve analytics
- Experience shipping consumer financial or regulated products
- Experience partnering with Risk, Credit, Legal, and Compliance
- Excellent cross-functional leadership and experience leading without authority
- Experience using AI tools such as Claude Code and Cursor for research, analysis, or prototyping
- Bachelor’s degree in a related field or equivalent practical experience
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Health insurance is described as comprehensive, with fully paid medical, dental, and vision premiums and low copays in some plans. Mental-health programs are explicitly included as part of the global benefits offering.
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Parental & Family Support — Parental leave is presented as 18 weeks for birth and non-birth parents with a 4-week full-pay return-to-work transition. Family-forming support such as fertility, egg freezing, adoption assistance, and a dedicated spending wallet is also offered.
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Leave & Time Off Breadth — Time off includes flexible or unlimited PTO and sick time for many roles. The package also features 20 company-wide paid Away Days that add collective rest to the standard leave mix.
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.
