Affirm

Senior Product Manager, Card Platform

Affirm

full-time

Posted on:

Location Type: Remote

Location: United States

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Salary

💰 $169,000 - $240,000 per year

Job Level

Senior

About the role

  • Own and drive the product roadmap for card funding flows, settlement orchestration, ledger posting, and reconciliation, balancing near-term delivery with long-term platform scalability.
  • Design scalable reconciliation and exception-handling systems that ensure all settlements, disbursements, and funds movements are accurately posted, traceable, and reportable via card ledgers.
  • Evolve Affirm funding and liquidity orchestration models across multiple capital sources (e.g., consumer balances, treasury accounts, credit facilities) to optimize capital efficiency and program resiliency.
  • Define and launch new card programs from 0→1, including program account structures, funding mechanics, and reconciliation frameworks, to support expansion into new products, geographies, and channels, in close partnership with issuing banks and processors.
  • Lead cross-functional execution across Engineering, Finance, Analytics, Legal/Compliance, and Operations to deliver reliable, compliant, and fully traceable money movement and ledger systems.
  • Address unique funding challenges at the intersection of BNPL and card issuing through platform innovation that improves funding flows, accelerates settlement, and strengthens ledger resilience across card programs.
  • Serve as a card-issuing domain expert and trusted partner, with deep understanding of processor, issuing-bank, and network interactions, card program economics, and how Affirm’s products operate within that ecosystem.
  • Measure and improve platform health, defining success metrics such as settlement success rates, reconciliation coverage, exception volumes, and time-to-resolution; establish SLAs, runbooks, and observability for critical money-movement pipelines.
  • Communicate clearly with senior leaders, presenting insights, tradeoffs, and recommendations that inform strategy and drive company objectives.

Requirements

  • 4+ years of product management experience, including ownership of complex, cross-functional software platforms.
  • Experience working in the card payments ecosystem at a fintech, issuing or acquiring bank, card processor, network, or payments infrastructure company.
  • Hands-on experience with cardflows and how they interact with ledgers, cash accounts, and reconciliation processes.
  • Strong understanding of the card issuing and acquiring lifecycle, including familiarity with card network message schemas and how transactions translate into issuer–acquirer message flows across the lifecycle.
  • Proven ability to influence stakeholders and partner closely with Engineering, Finance, and external partners on funding strategy, accounting alignment, cash tracking, and reconciliation workflows.
  • Demonstrated ability to operate in ambiguity, synthesize incomplete inputs, and drive execution from concept through launch.
  • Comfort working with technical systems (APIs, files, schemas) and translating complex financial flows into precise product requirements.
  • This position requires either equivalent practical experience or a Bachelor’s degree in a related field.
Benefits
  • 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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
product managementreconciliation systemsexception-handling systemscard funding flowssettlement orchestrationledger postingcapital efficiencyprogram resiliencycard program economicsAPI integration
Soft Skills
influencing stakeholderscross-functional collaborationoperating in ambiguitysynthesizing inputsdriving executionclear communicationpresenting insightsstrategic thinkingproblem-solvingpartnership building
Certifications
Bachelor's degree in related field