Product Manager, Capital

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.

Capital is the lifeblood of Affirm. Every loan we underwrite depends on reliable funding and trusted reporting to our investors. As Affirm scales across products, geographies, and funding structures, the accuracy, transparency, and resilience of our Capital systems become increasingly critical.

That’s where Capital Product comes in.

The Capital Product team builds the platform, tooling, and workflows that power Affirm’s $26+ billion Capital Program—enabling Capital Markets, Treasury, and Risk to operate with speed and confidence while safeguarding investor trust through accurate, auditable, and scalable systems.

• Own the Capital Risk & Reporting Vision:
  Define the long‑term direction for Capital Risk and Deal Reporting systems, ensuring they scale with increasing volume, complexity, and scrutiny while supporting both operational reliability and forward‑looking decision‑making.
• Turn Scale Into Better Capital Decisions:
  Enable analytical and forecasting capabilities that help Capital teams evaluate trade‑offs, plan ahead, and make higher‑quality funding and P&L decisions as the platform grows.
• Build the Foundational System for Investor‑Grade Accuracy:
  Lead the development of systems that deliver consistent, timely, and trusted reporting to our Capital investors, with a strong emphasis on reconciliation, traceability, and accuracy.
• Eliminate Fragility in Critical Workflows:
  Identify and remove sources of operational fragility by replacing manual processes, one‑off logic, and ad‑hoc checks with durable, automated, and well‑instrumented product capabilities in our most critical workflows.
• Lead Cross‑Functional Execution:
  Act as the product anchor across Engineering, Capital Markets, Treasury, Risk, Legal and Accounting—aligning stakeholders, translating complex requirements into clear plans, and driving execution through ambiguity.
• Go Deep Where It Matters:
  Dive into financial logic, data models, pipeline dependencies, and edge cases to ensure systems behave correctly.
• Be Accountable for Outcomes:
  Own success metrics tied to operational stability, reporting confidence, forecasting quality, and stakeholder trust—ensuring the products you ship measurably improve how Capital operates at scale.

• Proven Product Execution at Scale: 7+ years of product management experience with prior experience in finance, accounting, capital markets, debt capital markets a big plus.
• Cross‑Functional Leadership:
  Proven ability to lead and align diverse stakeholders across Engineering, Capital Markets, Treasury, Risk, and Accounting—driving clarity, trade‑off decisions, and progress across complex, interdependent initiatives.
• Ownership Mentality in Ambiguous Environments:
  Demonstrated ability to take loosely defined problems, set direction independently, make trade‑offs, and drive work to completion with a strong bias toward delivery.
• Deep Analytical and Data Proficiency:
  Comfortable working directly with data to validate assumptions, reconcile metrics, and investigate issues; strong proficiency in SQL and experience using data to drive decisions.
• Exceptional Attention to Detail:
  High bar for correctness and quality with a demonstrated ability to work with large data sets, investigate discrepancy across systems, and drive reconciliation efforts.
• Technical Fluency:
  Able to engage deeply with engineers on system design, data models, pipelines, and trade‑offs, and to independently reason about technical constraints and implications.

Pay Grade - P

Equity Grade - 13

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…