Senior Director, Product Management

Affirm is reinventing credit to make it more honest and friendly, and they are seeking a Senior Director of Consumer Risk product to lead this critical surface area within Checkout. The role involves owning the product vision, strategy, and execution across Credit, Pricing, and Fraud, enabling Affirm to grow responsibly while delivering best-in-class consumer and merchant experiences.

Responsibilities:

• Own the end-to-end product vision, strategy, and execution for Consumer Risk within Checkout, encompassing Credit decisioning, Pricing, and Fraud prevention
• Translate Affirm’s mission into a clear product roadmap that balances growth, risk, customer trust, and platform scalability
• Lead and scale a team of Product Managers owning distinct Consumer Risk surface areas, fostering a culture of accountability, learning, and high performance
• Partner closely with Machine Learning, Analytics and Engineering to shape model-driven product experiences, including underwriting logic, pricing frameworks, fraud signals, and decisioning platforms
• Drive quantitative storytelling—using data, experiments, and modeling to inform strategy, influence stakeholders, and guide tradeoffs
• Champion a customer-first mindset, ensuring risk experiences are transparent, fair, and intuitive for consumers while delivering strong outcomes for merchants
• Collaborate cross-functionally with Risk, Finance, Legal, Compliance, Design, Marketing, and GTM teams to deliver cohesive, scalable solutions
• Set and own key performance metrics (e.g., approval rate, conversion, loss rate, unit economics, LTV, fraud outcomes, customer trust metrics) and hold teams accountable to results
• Navigate complex organizational dynamics and influence senior stakeholders, including the executive team, with clear articulation of strategy, tradeoffs, and impact
• Balance near-term execution with long-term platform investments, ensuring Consumer Risk capabilities scale with Affirm’s growth and partner ecosystem

Requirements:

• 12+ years of Product Management experience, including leadership roles on fast-paced teams driving responsible, sustainable growth
• Deep experience working with Credit, Pricing, and/or Fraud stakeholders, with a strong understanding of: Credit: underwriting tradeoffs, unit economics, loss management, regulatory considerations; Pricing: risk-based pricing, margin optimization, experimentation, and fairness considerations; Fraud: adversarial systems, real-time decisioning, false positive/negative tradeoffs, and customer trust
• Strong quantitative and analytical orientation—comfortable engaging in model-level discussions, using data to drive decisions, and translating complexity into clear narratives
• Experience building and scaling platform and decisioning products, not just surface-level UX
• Proven track record of managing and mentoring large, geographically distributed PM teams
• Commercially minded with a high-agency, bias-to-action mindset and comfort making hard tradeoffs in ambiguous environments
• Exceptional communication and stakeholder management skills, with the ability to influence across functions and levels
• Experience working in design-forward organizations that prioritize clarity, transparency, and high-quality user experiences
• A systems thinker who can balance short-term business impact with long-term scalability and technical health
• Fintech, payments, or risk-heavy consumer product experience is a strong plus