Staff Product Manager, Consumer Growth Loyalty

Affirm; Chicago (IL); Remote; USD 204,000 - 264,000; Full time

Benefits offered by this job

Health coverage for you and dependents

Tech stipends

Generous time off

ESPP stock purchase plan

Job summary

Affim is seeking a senior Product Manager to own the consumer loyalty program from concept to launch. You will define the vision, metrics, and sequencing across quarters, and collaborate with Design, Engineering, Risk, Legal and Marketing to ensure a compliant, compelling experience.

You will design earn and burn mechanics, tiers and redemption surfaces across in-app, checkout, and post-purchase; build the economics and LTV models; and align senior stakeholders through ambiguous work.

Qualifications

• 8+ years in Product Management with consumer apps, fintech, or neobanks.
• Experience building loyalty, rewards or engagement programs.
• History of launching products from scratch and owning repeat usage metrics.
• Comfort building and defending reward cost, funding mix and payback.
• Strong UX instincts and ability to lead cross-functionally with limited authority.
• Fluency in experiment design, incrementality and LTV measurement; SQL/Amplitude skills.
• Track record shipping consumer financial or regulated products with Risk/Legal/Compliance.

Responsibilities

• Own the loyalty program vision and roadmap across quarters.
• Launch the first version of rewards and tiers, including earn, redemption and surfaces.
• Build engagement loops that drive weekly usage and value realization.
• Own program economics: liability, funding mix, interchange and GMV impact.
• Set measurement foundations and tune earn/burn and tier thresholds from data.
• Collaborate with Risk, Credit, Legal, Compliance, Finance and Marketing.
• Align senior stakeholders and lead embedded pods through ambiguity.

Skills

Product management

Fintech

Loyalty programs

Experiment design

Cross-functional leadership

Data analysis

SQL

Amplitude

User metrics

Design thinking

Education

Bachelor’s degree or equivalent

Tools

Claude Code

Cursor

Job description

At Affim, 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

Millions of people use the Affim Card, but we don’t yet give them a reason to keep coming back beyond the product itself. You’ll build our consumer loyalty program from scratch: what people earn, how they move up, and why Affim becomes their default way to pay.

What You’ll Do

• Own the vision and roadmap for Affim’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 Affim 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

What We Look For

• 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

Base Pay Grade - P

Equity Grade - 13

Employees new to Affim typically come in at the start of the pay range

Affim 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: $230,000 - $290,000

USA base pay range (all other U.S. states) per year: $204,000 - $264,000

Remote-first with flexibility built in

Affim 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 Affim 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

• 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 Affim 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.

For positions based in San Francisco or Los Angeles: Affim considers qualified applicants with arrest and conviction records, as required by law.