Affirm · 11 hours ago
Senior Director, Product Management
Raleigh, NC
Full-time
Hybrid
Lead/Staff, Director/Executive
$340K/yr - $375K/yr
12+ years expAffirm is reinventing credit to make it more honest and friendly, and they are seeking a Senior Director of Consumer Risk product to lead this critical area within Checkout. This role involves owning the product vision, strategy, and execution across Credit, Pricing, and Fraud while ensuring a balance between customer trust and business outcomes.
Financial ServicesFinTechLendingPayments
Responsibilities
Own the end-to-end product vision, strategy, and execution for Consumer Risk within Checkout, encompassing Credit decisioning, Pricing, and Fraud prevention
Translate Affirm’s mission into a clear product roadmap that balances growth, risk, customer trust, and platform scalability
Lead and scale a team of Product Managers owning distinct Consumer Risk surface areas, fostering a culture of accountability, learning, and high performance
Partner closely with Machine Learning, Analytics and Engineering to shape model-driven product experiences, including underwriting logic, pricing frameworks, fraud signals, and decisioning platforms
Drive quantitative storytelling—using data, experiments, and modeling to inform strategy, influence stakeholders, and guide tradeoffs
Champion a customer-first mindset, ensuring risk experiences are transparent, fair, and intuitive for consumers while delivering strong outcomes for merchants
Collaborate cross-functionally with Risk, Finance, Legal, Compliance, Design, Marketing, and GTM teams to deliver cohesive, scalable solutions
Set and own key performance metrics (e.g., approval rate, conversion, loss rate, unit economics, LTV, fraud outcomes, customer trust metrics) and hold teams accountable to results
Navigate complex organizational dynamics and influence senior stakeholders, including the executive team, with clear articulation of strategy, tradeoffs, and impact
Balance near-term execution with long-term platform investments, ensuring Consumer Risk capabilities scale with Affirm’s growth and partner ecosystem
Qualification
Required
12+ years of Product Management experience, including leadership roles on fast-paced teams driving responsible, sustainable growth
Deep experience working with Credit, Pricing, and/or Fraud stakeholders, with a strong understanding of: Credit: underwriting tradeoffs, unit economics, loss management, regulatory considerations; Pricing: risk-based pricing, margin optimization, experimentation, and fairness considerations; Fraud: adversarial systems, real-time decisioning, false positive/negative tradeoffs, and customer trust
Strong quantitative and analytical orientation—comfortable engaging in model-level discussions, using data to drive decisions, and translating complexity into clear narratives
Experience building and scaling platform and decisioning products, not just surface-level UX
Proven track record of managing and mentoring large, geographically distributed PM teams
Commercially minded with a high-agency, bias-to-action mindset and comfort making hard tradeoffs in ambiguous environments
Exceptional communication and stakeholder management skills, with the ability to influence across functions and levels
Experience working in design-forward organizations that prioritize clarity, transparency, and high-quality user experiences
A systems thinker who can balance short-term business impact with long-term scalability and technical health
Preferred
Fintech, payments, or risk-heavy consumer product experience is a strong plus
Benefits
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
Affirm
Affirm is a financial technology services company that offers installment loans to consumers at the point of sale.
1001-5000 employees
H1B Sponsorship
Affirm has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (104)
2024 (96)
2023 (133)
2022 (179)
2021 (132)
2020 (57)
Funding
Current Stage
Public CompanyTotal Funding
$7.57BKey Investors
New York Life InsuranceSixth StreetPGIM Fixed Income
2025-10-31Post Ipo Debt· $750M
2024-12-17Post Ipo Debt· $800M
2024-12-13Post Ipo Debt· $4B
Leadership Team
Max Levchin
Founder & CEO
Robert O'Hare
Chief Financial Officer
Recent News
FX News Group
2026-01-24
The Real Deal
2026-01-23
2026-01-23
Company data provided by crunchbase