Senior Product Manager, Fraud

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. Trust is foundational to everything we do. As Affirm scales globally, protecting our consumers, merchants, and platform from fraud —while maintaining a seamless, friendly experience—is critical to our mission. As a Senior Product Manager for Trust & Safety (Fraud), you will play a key role in building and scaling systems, experiences, and policies that keep Affirm safe for consumers and merchants worldwide. As we expand in both geographical markets and product offerings, your direct role in enabling the scaling becomes especially critical. In this role, you will work closely with a broad set of cross-functional partners across Engineering, Fraud Analytics, Legal, Compliance, Operations, and your counterparts in other Product and International teams. Effective stakeholder management and the ability to navigate complex organizational dynamics are essential. You should be high-agency, comfortable with ambiguity, and confident engaging in technical and data-driven discussions. What You'll Do

• Own Affirm's fraud product roadmap, orchestrating across customer-facing use cases, decision platforms, vendors, and ML models
• Build scalable fraud prevention infrastructure that supports Affirm’s growth across merchants, consumers, and international markets
• Drive product development by partnering closely with Engineering, Design, Analytics, Operations, and Customer Support teams
• Define and establish metrics that provide clear insight into the effectiveness of fraud prevention products, balancing loss prevention, customer experience, and business impact
• Use data, experimentation, and customer feedback to continuously iterate on risk controls, detection systems, and user-facing experiences
• Deliver industry-leading fraud prevention solutions by combining strong business judgment with thoughtful product strategy and principled tradeoff-making

What We Look For

• BA/BS in a technical, analytical, or quantitative field, or equivalent practical experience
• Minimum of either:

• 5+ years of Product Management experience, or
• 3+ years of Product Management experience plus 1+ year of experience as an engineer, data scientist, or in a technical risk role

• Experience owning and shipping complex software products end-to-end, including product vision, prioritization, design, and launch
• Prior experience in Trust & Safety, Fraud, Risk, Payments, Fintech, or another regulated, high-scale platform environment
• Strong ability to lead and influence cross-functional teams of engineers, designers, and operational partners toward shared outcomes
• Excellent written and verbal communication skills, with the ability to clearly articulate tradeoffs and decisions to senior stakeholders
• Proven judgment in evaluating product decisions where risk, compliance, user experience, and business goals intersect
• Comfort working with complex data, dashboards, and experimentation frameworks to drive insight and decision making
• High ownership mentality with a bias toward action in ambiguous, fast-moving environments

Pay Grade - N Equity Grade - 6 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 dependents.) CAN base pay range per year: $150,000 - $200,000 This posting is for an existing vacancy. Affirm 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. A limited number of roles remain office-based due to the nature of their job responsibilities. Benefits We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• 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

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.