Affirm

Controller

• Build and lead the Bank accounting team, providing strategic direction, recruitment, and coaching as we establish the function.
• Serve as a primary liaison with Affirm, Inc. cross-functional teams, ensuring effective service delivery under the Intercompany Program Agreement while maintaining the independent oversight necessary for a regulated banking entity.
• Oversee all monthly reporting to both internal and external stakeholders, including regulatory bodies, ensuring timely completion and submission.
• Build a controlled regulatory reporting function to ensure the timely and accurate preparation of required filings (e.g., FFIEC 041 Call Reports, Part 363 Annual Reports, and Federal Reserve reporting).
• Work closely with our external auditors to coordinate the completion of the annual Bank financial statement audit.
• Work with our engineering and product teams to evaluate, improve, and implement various tools to drive accounting/reporting automation.
• Manage other processes and functions, including financial analysis and projects as required.

Senior Manager, Affirm Bank Accounting – Controller

Backend Engineer

• With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
• You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
• You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
• You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.

Software Engineer II, Backend – Collections

• Collaborate closely with product managers and risk teams to manage loans
• Break down larger projects into tasks for timely delivery
• Support product development lifecycle by collaborating with management and analytics
• Monitor metrics and support on-call efforts
• Engage in growth and development activities on your team

• Responsible for setting technical strategy for your team on a year-long time scale and help your team tie it together with critical, business-impacting projects.
• Collaborate across teams in the product development lifecycle to ensure technical sustainability, risks and trade-offs are well understood and managed.
• Act as a force-multiplier for your team through definition and advocacy of technical solutions and operational processes.
• Take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
• Foster a culture of quality and ownership on your team by setting code review and design standards and advocating for them beyond your team through writing and tech talks.
• Help develop talent on your team by providing feedback and guidance, and leading by example.

Staff Software Engineer, Backend – Marketplace/App Experience

• Work on tasks that contribute to the team's projects and goals
• Participate in on-call rotation
• Collaborate proactively with team and stakeholders
• Balance speed and quality in work
• Contribute to a sense of community through growth and development activities

Software Engineer I, Backend – Collections

• Work on tasks that contribute to the team's projects and goals
• Collaborate with your team and stakeholders to create visibility and dialog regarding work risks and trade-offs
• Ensure speed and quality in your work to hit business goals while protecting from downtime
• Engage in growth and development activities to build a sense of community

Manager

• Own the performance and evolution of Affirm's first-party collections program across agent, digital, and AI-powered engagement channels.
• Develop and execute strategies that improve collections, customer outcomes, operational efficiency, and overall customer experience.
• Lead relationships with collections BPOs, AI providers, and technology partners, ensuring strong performance, compliance, and accountability.
• Monitor portfolio performance and customer behavior trends, using data and insights to identify opportunities and drive continuous improvement.
• Partner closely with Product, Engineering, Analytics, Compliance, and Operations teams to develop and scale innovative collections solutions.
• Oversee the rollout, optimization, and governance of AI-powered servicing capabilities, digital communications, and self-service experiences.
• Influence product roadmaps and operational strategies by bringing frontline insights and customer needs into cross-functional decision-making.
• Drive initiatives that improve engagement across all collections channels, including voice, SMS, email, digital, and emerging technologies.
• Establish scalable processes, operating models, and performance frameworks that support future growth.
• Foster a culture of accountability, innovation, and continuous improvement across internal teams and external partners.

Manager, Resolutions

Compliance

• Own and oversee the Australian regulatory compliance framework for consumer credit and related financial services
• Maintain documented compliance arrangements that support Australian credit licence obligations and keep pace with regulatory change
• Lead ASIC examinations, inquiries, information requests, licence interactions, and other supervisory engagement
• Oversee timely and accurate regulatory notifications and reporting
• Maintain the Australian regulatory obligations register and compliance risk assessment process
• Set remediation priorities and oversee root-cause analysis
• Monitor compliance metrics and risk indicators
• Assess incidents and breaches, oversee reportability decisions
• Manage, coach, and develop a junior compliance professionals
• Translate global compliance strategy into Australian operational plans
• Partner with various teams to provide practical regulatory guidance

Compliance Manager

• Responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects.
• Collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed.
• Act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes.
• Take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
• Foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
• Help develop talent on your team by providing feedback and guidance, and leading by example.

Staff Software Engineer, Backend – Ledger Engineering

• You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects.
• You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed.
• You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes.
• You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
• You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
• You will help develop talent on your team by providing feedback and guidance, and leading by example.

• Own and deliver quarterly goals for your team, leading engineers through ambiguity.
• Design and implement real-time fraud decisioning services and APIs in Python or Kotlin.
• Build and evolve the platform to launch fraud decisioning in a new country quickly.
• Integrate region-specific fraud and risk vendors and operationalize machine learning and AI signals.
• Support peers and stakeholders across the product development lifecycle.
• Monitor metrics and contribute to keep-the-lights-on and on-call efforts.
• Foster a culture of quality and ownership within the team.

Senior Software Engineer, Back-end – Fraud

• You will own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• You will design and implement real-time fraud decisioning services and APIs in Python or Kotlin, extending Affirm's Fraud Decisioning System to markets beyond the US.
• You will build and evolve the platform and tooling that let Affirm launch fraud decisioning in a new country quickly—turning market-by-market setup (rules, models, and vendor configuration) into a repeatable, low-friction path so launches scale sub-linearly with the number of markets.
• You will integrate region-specific fraud and risk vendors and help operationalize the machine learning and AI signals that power real-time decisioning, while using modern AI tooling to move faster as an engineer.
• You will support peers and stakeholders across the product development lifecycle - collaborating with Product, Machine Learning, Analytics, and Fraud Strategy, articulating technical constraints, and partnering on decisions that properly weigh risks and trade-offs.
• You will support the operations and availability of your team's systems by creating and monitoring metrics, escalating when needed, and contributing to keep-the-lights-on and on-call efforts.
• You will foster a culture of quality and ownership - setting and improving code review and design standards, mentoring teammates, and leading by example.
• On-Call Rotation - There would be an on-call rotation for this role as a requirement.

Procurement

• Own the category narrative. Define the category Affirm is building, what it is and how the space should be understood, and ensure that through-line holds whether someone encounters it in a press story, an earnings call, or a policy conversation.
• Develop and maintain messaging frameworks. Guide how Affirm talks about credit, financial experience, and consumer protection.
• Partner with Legal, Policy, and Product. Ensure the category narrative reflects how the product actually works and keeps pace as it evolves, framing new capabilities in the context of the broader credit ecosystem — and push for language that's both legally sound and narratively strong.
• Proactively build consumer clarity. Identify where confusion has eroded trust and turn those friction points into brand opportunities.
• Keep the narrative current. Work closely with cross-functional partners to identify when the consumer financial narrative needs to evolve, and lead the process of updating it when it does.
• Stay ahead of the conversation. Identify the conversations shaping the future of payments that we want to enter and lead, and monitor the media, policy, and competitive landscape for narrative risks and opportunities before they become obvious.
• Support high-visibility moments. Bring the narrative infrastructure to earnings, policy milestones, and category-defining press, ensuring Affirm shows up with a clear, consumer-centered point of view.
• Adapt the narrative for global markets. Ensure Affirm's forward-looking narrative translates across markets with different cultural contexts around credit and lending — consistent in belief, sensitive in perspective.

Senior Manager, Category Narrative

Data Scientist

• Establish and evolve the operational analytics framework for new international markets, ensuring scalable measurement, reporting, and decision-making capabilities as we expand globally
• Operate with a business owner mindset by proactively identifying opportunities through analysis and product sense to enhance user experience, growth, and profitability
• Own business problems from end to end by translating analytical insights into recommendations and optimization strategies that support business growth, profitability, and operational excellence
• Take ownership of the end-to-end analytics process: define success metrics, generate insights and hypotheses, track performance, and create intuitive dashboards and reports that can be easily shared across the organization
• Develop scalable analytics solutions and data models
• Tackle ambiguous problems by identifying the core hypotheses and designing actionable experiments to validate product-market fit and economic viability
• Translate analytical findings into clear and compelling narratives and business cases for leadership to inform decision-making
• Spearhead weekly cross-functional metric reviews, collaborating with partners to conduct deep dives into significant metric shifts and suggest actionable steps
• Partner effectively across Product, Risk, Finance, Commercial, and Operations to align strategies and execute against business objectives
• Foster strong cross-functional relationships and establish yourself as a trusted advisor to team members
• Mentor and guide junior analysts to deliver high-impact work that drives business results

Analytics Lead – Full Stack

• Responsible for owning and delivering quarterly goals for your team.
• Support your peers and stakeholders in the product development lifecycle.
• Proactively identify project, process, technology or business issues.
• Support the operations and availability of your team’s artifacts.
• Foster a culture of quality and ownership on your team.
• Help develop talent on your team by providing feedback and guidance.
• Participate in on-call rotation as a requirement.

Senior Manager, Affirm Bank Accounting – Controller

Software Engineer II, Backend – Collections

Software Engineer II, Backend – Collections

Staff Software Engineer, Backend – Marketplace/App Experience

Software Engineer I, Backend – Collections

Software Engineer I, Backend – Collections

Manager, Resolutions

Compliance Manager

Staff Software Engineer, Backend – Ledger Engineering

Staff Software Engineer, Backend – Ledger Engineering

Senior Software Engineer, Back-end – Fraud

Senior Software Engineer, Back-end – Fraud

Senior Manager, Category Narrative

Analytics Lead – Full Stack

Senior Software Engineer – Back-end, Repayment Scheduling