Staff Product Manager, Affirm Bank

About the role

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. This role sits at the center of that ambition as you build the first Affirm Bank. You will own the end-to-end bank product, launching the deposit product to consumers and operationalizing a new bank charter within Affirm's ecosystem. You will drive loan originations through the bank entity and ensure seamless integration across Affirm's platform. This is a rare opportunity to build a foundational new business line from the ground up, reshaping how Affirm funds, serves, and grows relationships with its consumers. You will work at the intersection of regulated banking, platform engineering, and consumer products to bring Affirm's bank to life.

Key facts

What you'll do

Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations, holding the full picture of how the bank works within Affirm's ecosystem and driving it forward.

Partner cross-functionally with Engineering, Marketing, Branding, Content, and Design to shape the consumer deposit experience and go-to-market strategy, owning positioning, launch sequencing, and consumer-facing messaging for the deposit product.

Own the roadmap for the deposit product on a go-forward basis, scaling from early launch to a multi-billion-dollar deposit base and making strategic decisions about how deposits integrate with Affirm's credit products and broader consumer experience.

Collaborate cross-functionally across Affirm's internal teams and with external vendors to ensure stakeholders are aligned on the vision for launch.

Partner with Legal, Compliance, Risk, and the Bank's executive team to drive bank operations readiness, including regulatory readiness, process maturity, and vendor selection and integration for deposit core, fraud, and KYC.

Communicate strategy and tradeoffs to senior leadership and the Bank Board, building alignment across Engineering, Legal, Compliance, Treasury, and Capital Markets.

Define and own core success metrics for the deposit product, establishing measurement frameworks and translating performance insights into iterative product improvements.

Evaluate and prioritize product opportunities in banking, such as savings, payments, and integrated credit offerings, to maximize consumer value and bank profitability.

Act as the primary liaison with banking regulators and partners, ensuring that product decisions and operational processes meet evolving compliance and risk standards.

Champion data-driven decision-making by leveraging analytics to validate hypotheses, refine user journeys, and optimize the consumer deposit journey over time.

Lead post-launch reviews and root-cause analyses for issues affecting the bank product, coordinating with engineering and operations to drive rapid remediation and long-term fixes.

Translate complex regulatory requirements and technical constraints into clear product requirements, enabling engineering and design to deliver compliant, high-quality consumer experiences.

Mentor and influence senior stakeholders by demonstrating mastery of banking products, market dynamics, and product strategy, elevating the overall quality of execution.

Drive alignment on product vision through storytelling and rigorous analysis, ensuring that all teams understand the rationale behind key tradeoffs and roadmap priorities.

Requirements

6+ years of product management experience, with demonstrated ability to operate as a strategic, independent leader on complex, ambiguous initiatives.

Experience growing or launching a regulated consumer-facing product in the financial services industry with go-to-market experience.

Proven program leadership at scale, having owned high-visibility cross-functional launches across many stakeholders, with direct exposure to leadership.

Strong technical fluency, being comfortable working with engineers on system design, data models, API architecture, and core banking platform integrations.

Exceptional written and verbal communication, capable of distilling complex regulatory and financial concepts into clear, compelling narratives for diverse audiences, including regulators, executives, and engineering teams.

Proficiency with AI-assisted tools (e.g., Claude, Cursor) to accelerate your own work and raise the bar for quality and speed.

Bachelor's degree in a related field or equivalent practical experience.