Staff Product Manager, Consumer Growth Loyalty

Affirm is a financial technology company that provides transparent buy-now-pay-later and payment products. The Staff Product Manager will build and lead Affirm’s consumer loyalty program, including rewards, tiers, engagement loops, economics, and measurement. The role requires cross-functional leadership across product, engineering, design, risk, finance, legal, compliance, and marketing.

Responsibilities:

• Own the vision and roadmap for Affirm’s consumer loyalty program, setting the hypotheses, success metrics, and sequencing across multiple quarters
• Launch the first version of rewards and tiers, including earn mechanics, member benefits, redemption, and the surfaces that make the value obvious in app, at checkout, and after a purchase
• Build the engagement loops (progress, milestones, personalized offers) that turn a one-time borrower into someone who reaches for Affirm every week
• Own the program economics: reward liability, funding mix across merchant-funded offers, interchange and network incentives, and the case for incremental GMV against cost per member
• Set up the measurement foundation for loyalty, including holdouts, incrementality testing and long-run LTV, then tune earn and burn rates and tier thresholds off what the data says
• Partner with Risk, Credit, Legal, Compliance, Finance and Marketing to design rewards that are compliant and clearly disclosed, with no hidden fees or fine print that surprises people
• Align senior stakeholders and pull together dependencies across Card, Shopping, Servicing and Marketing, leading embedded engineering and design pods through a lot of ambiguity

Requirements:

• 8+ years in Product Management, with a track record in consumer mobile apps, fintech, or neobanks
• Built or scaled a loyalty, rewards or engagement program: card rewards, points, tiers, subscription benefits, or something equivalent. You know earn and burn mechanics and what makes a program pay for itself
• History of launching products from scratch, not just optimizing what already exists
• Owned repeat usage, cohort retention or share of wallet as a primary metric, and know which levers actually move them
• Comfortable building the financial model yourself and defending reward cost, funding mix and payback to Finance and leadership
• Strong UX instincts and a high bar for design. You know the difference between a reward that feels good and a badge buried in a settings menu
• Deep fluency in experiment design, incrementality/attribution, and LTV measurement; data chops (SQL/Amplitude-level self-serve) and a bias for shipping, learning and iterating quickly
• Track record shipping consumer financial or regulated products; comfort partnering with Risk/Credit, Legal, and Compliance
• Excellent cross-functional leadership, including experience leading without authority
• AI tools like Claude Code, Cursor, and others to research, analyze and prototype, and help develop better product vision
• Bachelor's degree in a related field or equivalent practical experience