[Remote] Senior Product Manager, Capital
Note: The job is a remote job and is open to candidates in USA. 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 Senior Product Manager will own the Originations product area, driving product strategy and execution while managing integrations and regulatory compliance across bank partners.
Responsibilities
- Own the Originations product area end-to-end: Serve as the single-threaded product owner for originator integrations, originator allocation, bank partner onboarding, and the Funding ETL, the primary database powering all Capital activities. You hold the full picture of how loans are originated at Affirm and you drive it forward
- Build deep expertise in the originator ecosystem: Become the definitive internal expert on Affirm's originating bank partners and internal originating entities, understanding their capabilities, regulatory constraints, volume dynamics, and integration requirements. Use that expertise to drive strategy for expanding and diversifying the originator network
- Own originator allocation and ensure coverage: Own the allocation logic that determines which originator is selected for every loan at checkout, balancing volume targets, regulatory restrictions, and originator preferences. Coverage gaps here mean loans that can't be originated, so reliability and completeness are the bar
- Define and drive origination health metrics: Set clear success metrics for the origination product, own product-originator coverage tracking, and ensure data quality in the Funding ETL that downstream Capital teams depend on. You are accountable for the numbers that tell Affirm whether origination is working
- Set strategy and execute the roadmap: Translate business needs, regulatory requirements, and engineering constraints into a clear, prioritized origination roadmap. Write crisp PRDs, define testable milestones, and partner closely with the LOR engineering team to ship
- Lead cross-functional execution across a complex stakeholder map: Partner with Bank Partnerships, Credit, Legal, Compliance, and Capital Markets to navigate regulatory changes, onboard new partners, and keep origination systems tightly integrated with downstream funding, settlement, and reporting pipelines. This role touches nearly every part of Affirm's financial infrastructure
Skills
- 5+ years of product management experience in fintech, lending, payments, or financial services
- Proven track record of launching complex, cross-functional products at scale, from concept through production, with clear business impact
- Experience designing and owning platform products that serve internal stakeholders with hard operational SLAs
- Solid technical fluency: comfortable partnering with engineers on system design, APIs, data pipelines, and batch processing, and capable of forming strong technical opinions
- Strong prioritization and strategic judgment: identifies high-impact opportunities, balances urgency with long-term thinking, and turns ambiguous or conflicting inputs into clear, well-scoped specs
- Outstanding communicator and influencer across a wide stakeholder audience, including senior leadership, engineering partners, and external partners; builds trust quickly and drives alignment
- High AI fluency: uses AI-assisted tools to raise the quality and speed of your own work and models this mindset for others
- This position requires either equivalent practical experience or a Bachelor's degree in a related field
Benefits
- Equity rewards
- Monthly stipends for health, wellness and tech spending
- Benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
- 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
Company Overview
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