Senior Product Manager, Consumer Payments

Affirm; Denver (CO); Remote; USD 173,000 - 233,000; Full time

Benefits offered by this job

Health coverage, dependents

Spending stipends for tech setup

Flexible time off

Employee stock purchase plan

Job summary

Affirm is seeking a Senior Product Manager for Consumer Payments to reshape how customers repay. You will own end-to-end experiences, partner with Design, Analytics, Finance, and Engineering, and translate customer needs into scalable payment features.

This role spans discovery through launch, with emphasis on experimentation, conversion, and cost optimization. You will influence senior leaders and drive a strategic roadmap in a remote-first environment.

Qualifications

• 5+ years of product management experience.
• Analytical rigor: comfortable in data; use experiments and customer research to make decisions.
• Curiosity about customers; drive to fix breakdowns in experiences.
• Experience discussing system design and tradeoffs with engineers.
• Track record of taking products from discovery through launch and iteration.
• Clear communication and influence across Product, Engineering, Finance, Design, Partnerships; senior leaders without formal authority.
• Bonus: payments, fintech, or e-commerce experience.

Responsibilities

• Improve how customers pay with Aff.
• Focus on customers; uncover where paying breaks down via research and data; share insights across the team.
• Create new payment experiences; collaborate with Design and Analytics from discovery to launch.
• Design and run experiments to improve conversion, payment success, and cost.
• Shape how payments are processed safely and cost-effectively; weigh performance and risk.
• Partner with Product, Engineering, Finance, Design, and Partnerships; explore opportunities, assess impact, define sequencing.
• Drive an ambitious roadmap delivering customer and business outcomes; present strategy to senior leaders.

Skills

PM, senior

Analytical rigor

Customer empathy

Systems thinking

Communication

Roadmapping

Payments knowledge

Job description

At affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

About The Product Team

The Product team listens to our customers’ needs and translates those insights into a clear product vision. The team works closely with design, engineering, and analytics to build scalable financial products that empower people to manage their money with confidence. We rely on empathy, curiosity, and business sense to prioritize features and improve experiences. Our role is to lead with clarity, support cross-functional execution, and champion the user in every decision.

About The Role

The Consumer Payments team powers how customers successfully make payments to affirm. As a Senior Product Manager, you will create new payment experiences that make repaying easier, improve payment success, and define how payments are processed safely and cost-effectively. This is a highly cross-functional role that sits at the intersection of Product, Engineering, Analytics, Finance, Design, and Partnerships.

What You’ll Do

We are looking for a curious, collaborative Senior Product Manager to improve how customers pay with Aff

• We are looking for a curious, collaborative Senior Product Manager to improve how customers pay with Aff
• Focus on the customer, uncovering where paying breaks down through research and data, and sharing those insights across the team
• Create new payment experiences that make repaying easier, working with Design and Analytics from discovery to launch
• Design and run experiments that improve conversion, payment success, and cost
• Shape how payments are processed safely and cost-effectively, weighing performance and risk
• Be a trusted partner to Product, Engineering, Finance, Design, and Partnerships, exploring new opportunities together, evaluating their impact, and defining sequencing
• Drive an ambitious roadmap that delivers customer and business outcomes by identifying the highest-impact bets and presenting strategy to senior leaders

What We Look For

• 5+ years of product management experience
• Analytical rigor: you are comfortable in the data and use experiment results and customer research to make product decisions
• Curiosity about customers: you have strong instincts for where an experience breaks down and the drive to fix it
• Experience holding informed conversations with engineers about how systems work and the tradeoffs they carry
• A track record of taking products from discovery through launch and iteration, including turning ambiguous or conflicting inputs into a clear plan
• Clear communication and influence: you explain tradeoffs well and build trust and alignment across Product, Engineering, Finance, Design, and Partnerships, including senior leaders, without needing formal authority
• Bonus points for experience in payments, fintech, or e-commerce

Base Pay Grade - N

Equity Grade - 9

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.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $195,000 - $255,000

USA base pay range (all other U.S. states) per year: $173,000 - $233,000

Remote-first with flexibility built in

Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Benefits Designed For You

Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

<