Staff Product Manager (Consumer Growth Loyalty)

Affirm, Inc.; New York (NY); Remote; USD 150,000 - 210,000; Full time

Benefits offered by this job

Remote-first compensation

Generous time off

Health benefits

Parental leave 18 weeks

Job summary

Affirm, Inc. is seeking a Senior Product Manager to own the consumer loyalty program from vision through launch.

You will define hypotheses, success metrics, and quarter-by-quarter sequencing across teams including product, eng, risk, and marketing to deliver compelling earn mechanics and member benefits at checkout and in-app. You will design the program economics, funding mix, and measurement framework, tune earn and burn rates, and collaborate across stakeholders to ensure clear disclosures

Qualifications

• Bachelor’s degree in related field or equivalent practical experience.
• 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.
• 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.

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.

Skills

Product Management

Loyalty programs

Cross-functional leadership

Experiment design

LTV measurement

A/B testing

Fintech domain knowledge

Education

Bachelor’s degree or equivalent

Tools

Amplitude

SQL

Excel

Mixpanel

Job description

• Millions of people use the Aff... 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 affirm becomes their default way to pay
• 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

Benefits

• Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
• Spending Wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
• Supportive Communities: Get involved with our employee resource groups and community groups
• Remote-first Workforce: If your role is remote, you can set up shop anywhere in your home country
• Generous Time Off: Take the time you need when life happens
• Health Benefits: Get a plan that fits your needs
• Mental Healthcare: Take care of your mind with great mental health programs
• Parental Leave: Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
• Away Days: We offer 20 company-wide paid days off—which help our teams collectively pause to recharge
• Learning & Development: Engage in exciting learning programs to level up your growth

Qualifications and Experience

Bachelor’s degree in a related field or equivalent practical experienceTrack record shipping consumer financial or regulated products; comfort partnering with Risk/Credit, Legal, and ComplianceExcellent cross-functional leadership, including experience leading without authorityBuilt 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 itselfHistory of launching products from scratch, not just optimizing what already existsComfortable building the financial model yourself and defending reward cost, funding mix and payback to Finance and leadership8+ years in Product Management, with a track record in consumer mobile apps, fintech, or neobanksOwned repeat usage, cohort retention or share of wallet as a primary metric, and know which levers actually move themAI tools like Claude Code, Cursor, and others to research, analyze and prototype, and help develop better product visionStrong 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 menuDeep 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