[Remote] Staff Product Manager, Affirm Bank

Note: The job is a remote job and is open to candidates in USA. 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 involves owning the end-to-end bank product and operationalizing a new bank charter within Affirm's ecosystem.ResponsibilitiesOwn the end-to-end bank product. Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations. You are the person who holds the full picture of how the bank works within Affirm's ecosystem — and you drive it forwardLaunch and own the bank’s deposit product. Ship Affirm’s bank deposit offering as part of launch, then own the deposit product roadmap on a go-forward basis – scaling from early launch to a multi-billion-dollar deposit base, making strategic decisions about how deposits integrate with Affirm's credit products and broader consumer experienceOperationalize the de novo bank build. Drive the cross-functional work required 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 infrastructureDrive originations through the bank entity. Shape how Affirm originates and retains loans through its own bank, working closely with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory complianceNavigate banking compliance and regulatory requirements. Partner with Legal, Compliance, Risk, and the Bank's executive team to ensure all products and operations meet federal and state regulatory standards. Build compliance into the product from day one — not as an afterthought. Understand the unique demands of a de novo bank under FDIC and state supervisionIntegrate the bank deposit product into Affirm's consumer ecosystem. Define clear domain boundaries, design requirements for new data flows, and integration points between the bank and Affirm Inc. — working across Servicing, Settlements, Consumer Payments, Checkout, and Growth teams to ensure the bank's products work seamlessly within the Affirm app and platformInfluence up and across the organization. Communicate strategy, tradeoffs, and priorities to senior leadership and the Bank Board with clarity and conviction. Build alignment across a broad set of stakeholders — Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership — who each bring different constraints and incentivesSkills6+ years of product management experience, with demonstrated ability to operate as a strategic, independent leader on complex, ambiguous initiativesProven program leadership at scale — you've owned high visibility cross-functional launches across many stakeholders, with direct exposure to executive leadership and/or boardsExperience in banking, deposits, or lending — you understand deposit products, bank charter operations, or loan origination mechanics and the regulatory landscape that governs themStrong technical fluency — you're comfortable working with engineers on system design, data models, API architecture, and core banking platform integrationsDemonstrated ability to drive cross-functional alignment across Legal, Compliance, Engineering, Finance, and executive leadership in highly regulated environmentsExceptional written and verbal communication — you can distill complex regulatory and financial concepts into clear, compelling narratives for diverse audiences including regulators, executives, and engineering teamsBias for action and intellectual curiosity — you move fast, ask hard questions, and take ownership before being askedBachelor's degree in a related field or equivalent practical experienceBank charter experience is strongly preferred — you've been through or contributed meaningfully to a de novo bank launch or early-stage bank buildoutDeposit product strategy experience is a strong plus — you've defined or scaled deposit products such as high yield savings accounts, spending accounts, or CDs, and you understand the levers of deposit growth, pricing, and consumer acquisitionExperience in fintech, financial services, or banking; familiarity with BNPL, neobanking, or platform products is a plusProficiency with AI-assisted tools (e.g., Claude, Cursor) to accelerate your own work and raise the bar for quality and speedBenefitsEquity rewardsMonthly stipends for health, wellness and tech spendingBenefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependentsFlexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expensesTime off - competitive vacation and holiday schedules allowing you to take time off to rest and rechargeESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discountAffirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment.Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office.Company OverviewAffirm is a financial technology services company that offers installment loans to consumers at the point of sale. It was founded in 2012, and is headquartered in San Francisco, California, USA, with a workforce of 1001-5000 employees. Its website is https://www.affirm.com.Company H1B SponsorshipAffirm has a track record of offering H1B sponsorships, with 11 in 2026, 104 in 2025, 96 in 2024, 133 in 2023, 179 in 2022, 132 in 2021, 57 in 2020. Please note that this does not guarantee sponsorship for this specific role.