The Direct-to-Consumer (DTC) team plays a pivotal role in Affirm’s mission of delivering honest financial products that improve lives. Our consumer card products give people access to transparent financing options everywhere they need them, and help us earn enduring, direct relationships with our customers. As a Senior Product Manager on our Open Loop Issuing team, you’ll be at the forefront of Affirm’s rapidly expanding card business. In this role, you will own the user experience and connective tissue between the card network event lifecycle and Affirm’s consumer credit products. This is the secret sauce that enables consumers to seamlessly access Affirm’s unique BNPL financing options via familiar everyday card products like the Affirm Debit Card, Apple Pay Later, and more.

You will shape the future of consumer finance at a pivotal time in the company’s journey, tackling one of the most strategically significant product areas with the full support of a deeply experienced and committed team. As the “brain” of Affirm’s card product portfolio, our Open Loop Issuing Platform grants an uncommon opportunity for our Open Loop PMs to multiply the reach of a single product solution across all card products, channels, and geographies. We are looking for an uncommonly talented Senior Product Manager that thrives on challenge, innovates fearlessly, and sees every obstacle as a chance to create something extraordinary. 

You will be tasked with maximizing integrated card synergies through platform solutions to solve customer problems shared across products, channels, and geographies to make every card swipe with Affirm simple, seamless, and delightful. Your product solutions will touch the lives of millions of people, and billions of transaction dollars. Affirm is making a big bet on cards, and we need your help delivering on this next chapter of our journey!

What you’ll do

• Deliver exceptional card experiences. Own the end-to-end product lifecycle to deliver seamless integration between Affirm’s loan products and the card networks, so everything works exactly how users expect. This challenge of fitting BNPL loans onto the existing debit and credit card rails is unique to Affirm, and it’s a critical part of scaling our card business.
• Get into the data. Work with analytics and engineering to define and drill down into key metrics, generating insights that inform the roadmap and achieve business goals. This is a data-heavy problem space, and you’ll roll up your sleeves and help us make sense of it all.
• Champion our users. Build deep empathy for users of Affirm’s card products, bringing their pain points to light and relentlessly working to improve their experiences.
• Be a card expert. Develop a deep understanding of consumer behavior, market trends, and competitive landscape in the industry. Use this knowledge to inform product decisions and identify new opportunities.
• Build for scale. Guide the product direction with the big picture in mind, creating scalable solutions that can support a growing array of products and channels.
• Be a leader. Lead the roadmap and strategy for our open loop BNPL products, influencing and getting buy-in from a diverse group of stakeholders and leadership.

What we look for

• Key requirements for eligible candidacy:
  • 4+ years of product management experience.
  • This position requires either equivalent practical experience or a Bachelor’s degree in a related field
  • Prior work experience that is directly or closely coupled with card products, card networks, issuer processors, merchant acquirers, card networks, or 3rd party service/software providers that participate in the card network ecosystem or are closely adjacent to card payment processing in supplementary or complementary capacity.
  • Candidates must have a solid working knowledge of card network ecosystems, the key players involved (and their respective roles), how network messages drive the card transaction lifecycle, and the high-level dynamics of money movements/funds flows across the ecosystem. Mastery is not required, but a sturdy foundation in card payment concepts is essential for success.
• Other important factors we’ll assess:
  
  • Excellent analytical skills with the ability to translate data insights into actionable strategies.
  • Uncompromising and relentless customer-centricity.
  • Strong product intuition that enables you to sniff-out root causes to problems with minimal information, identify high ROI product opportunities ahead of the curve, and foresee with high accuracy product and business outcomes through a mastery of product fundamentals, and mythical-levels of customer empathy rooted in a strong grasp and application of behavioral economics principles
  • Strong written and verbal communication skills, with the ability to articulate complex ideas to diverse audiences..
  • Solid technical chops that allow you to meaningfully contribute to in-depth technical discussions, and enable you to develop strong trust and credibility with your engineering partners.
  • The ability to turn incomplete, conflicting, or ambiguous inputs into solid action plans
  • Experience working in fast-paced, high-growth companies
  • Strong leadership skills with the ability to influence and collaborate across teams