Staff 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. Our mission to deliver honest financial products that improve lives extends beyond borders — and it depends on customer trust as we scale. We are at an inflection point: Affirm’s expansion across products, partner distribution channels, and international markets requires a platform‑level Trust & Safety strategy that protects customers and preserves a seamless, dignified experience.

As a Staff Product Manager for Trust & Safety (Fraud), you will lead that strategy, ensuring fraud prevention is embedded into the product in a way that is transparent, respectful, and customer‑first. You will be the accountable product leader for fraud prevention across the company, driving cross‑org execution across Engineering, Fraud Analytics, Legal, Compliance, Operations, and international Product teams.

This role focuses on platform leverage, multi‑team alignment, and executive‑level decision‑making, with customer trust as the north star. What you’ll do Customer‑First Platform Strategy: Define and execute a multi‑year fraud platform strategy that scales across products, partner channels, and global markets while protecting customer trust and minimizing unnecessary friction Leadership & Alignment: Be the accountable leader for fraud prevention.

Drive organizational alignment, negotiate resources, and create momentum across teams to deliver holistic solutions that protect consumers and merchants Experience‑Aware Decisioning: Own the evolution of fraud decisioning systems and step‑ups to balance loss prevention with clear, humane customer experiences Roadmap Ownership: Build and prioritize a roadmap that balances immediate risk mitigation with platform‑level innovation and long‑term resilience Measurement: Establish KPIs that capture loss prevention and customer impact (e.g., approval rates, friction costs, recovery outcomes) Experimentation at Scale: Drive rigorous experimentation to improve both fraud outcomes and customer trust, translating learnings into durable platform capabilities Executive Communication: Shape company‑level decisions with clear narratives on customer impact, risk posture, and tradeoffs What we look for 6+ years of Product Management experience, with sustained ownership of multi‑team, platform‑level initiatives Deep experience in Trust & Safety, Fraud, Risk, Payments, Fintech, or regulated, high‑scale platforms Proven ability to define and execute multi‑year product strategy with measurable business impact Strong technical fluency (APIs, data pipelines, ML model integration, experimentation, IDV and authentication technologies ) Exceptional cross‑org influence and stakeholder management, including executive alignment High‑agency, autonomous leader who thrives in ambiguity and drives outcomes at scale Metrics‑driven decision maker with strong product judgment and principled tradeoff‑making This position requires either equivalent practical experience or a Bachelor’s degree in a related field   Pay Grade - P Equity Grade - 7 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: $178,000 - $228,000#LI-Remote   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.

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.

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging from one to sixty months.

As of June 30, 2022, the company had approximately...