Staff Product Manager, Affirm Bank

What You’ll Do

• Own the end-to-end bank product. Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations.
• Leverage your expertise to launch and own the bank’s deposit product, scaling from early launch to a multi-billion-dollar deposit base.
• Operationalize the de novo bank build by driving cross-functional work to stand up and scale bank operations, ensuring regulatory readiness, process maturity, vendor integrations, and seamless connectivity with Affirm's existing lending and money movement infrastructure.
• Shape how Affirm originates and retains loans through its own bank, collaborating with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory compliance.
• Navigate banking compliance and regulatory requirements by partnering with Legal, Compliance, Risk, and the Bank's executive team to ensure all products and operations meet federal and state regulatory standards.
• Integrate the bank deposit product into Affirm's consumer ecosystem by defining clear domain boundaries, designing requirements for new data flows, and integration points between the bank and Affirm Inc., working across multiple teams to ensure seamless integration.
• Influence up and across the organization by communicating strategy, tradeoffs, and priorities to senior leadership and the Bank Board with clarity and conviction, building alignment across stakeholders including Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership.

What we look for

• 6+ years of product management experience, with proven ability to operate as a strategic, independent leader on complex, ambiguous initiatives.
• Proven program leadership at scale, owning high visibility cross-functional launches across many stakeholders, with direct exposure to executive leadership and/or boards.
• Experience in banking, deposits, or lending, understanding deposit products, bank charter operations, or loan origination mechanics and the regulatory landscape that governs them.
• Bank charter experience preferred, having been through or contributed meaningfully to a de novo bank launch or early-stage bank buildout.
• Deposit product strategy experience a plus, having defined or scaled deposit products such as high yield savings accounts, spending accounts, or CDs, and understanding the levers of deposit growth, pricing, and consumer acquisition.
• Experience in fintech, financial services, or banking, familiarity with BNPL, neobanking, or platform products is a plus.
• Strong technical fluency, comfortable working with engineers on system design, data models, API architecture, and core banking platform integrations.
• Proficiency with AI-assisted tools to accelerate work and raise the bar for quality and speed.
• Demonstrated ability to drive cross-functional alignment across Legal, Compliance, Engineering, Finance, and executive leadership in highly regulated environments.
• Exceptional written and verbal communication, able to distill complex regulatory and financial concepts into clear, compelling narratives for diverse audiences including regulators, executives, and engineering teams.
• Bias for action and intellectual curiosity, moving fast, asking hard questions, and taking ownership before being asked.
• Bachelor's degree in a related field or equivalent practical experience.