Senior Product Manager, Card Ledgers & Money Movement Platform

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Our mission to deliver honest financial products that improve lives extends beyond borders. Affirm’s card portfolio is one of the company’s fastest-growing product areas, expanding rapidly across new product lines, geographies, and channels. This role sits at the center of that growth—building and scaling the platform capabilities that enable new launches, unlock faster settlement and funding models, and support increasingly complex card programs at scale. As a Senior Product Manager on the Card Platform team, you will own the strategy and execution for Affirm’s Money Movement and Ledgers across the full suite of the company’s card products. You will lead development of critical systems that power funding flows, settlement orchestration, liquidity management, and reconciliation across product-lines, processors, card networks, and issuing-bank partners. You will work cross-functionally with Engineering, Finance, Analytics, Legal/Compliance, and Partnerships to deliver high-integrity platform solutions that enable Affirm’s products to scale and grow to new heights. This role requires strong product judgment, cross-functional leadership, and deep domain expertise in card issuing and payments infrastructure. The ideal candidate is outcomes-driven, action-oriented, and comfortable leading a high-growth product domain with complex cross-functional and external dependencies. What you’ll do Own and drive the product roadmap for card funding flows, settlement orchestration, ledger posting, and reconciliation, balancing near-term delivery with long-term platform scalability. Design scalable reconciliation and exception-handling systems that ensure all settlements, disbursements, and funds movements are accurately posted, traceable, and reportable via card ledgers. Evolve Affirm funding and liquidity orchestration models across multiple capital sources (e.g., consumer balances, treasury accounts, credit facilities) to optimize capital efficiency and program resiliency. Define and launch new card programs from 0→1, including program account structures, funding mechanics, and reconciliation frameworks, to support expansion into new products, geographies, and channels, in close partnership with issuing banks and processors. Lead cross-functional execution across Engineering, Finance, Analytics, Legal/Compliance, and Operations to deliver reliable, compliant, and fully traceable money movement and ledger systems. Address unique funding challenges at the intersection of BNPL and card issuing through platform innovation that improves funding flows, accelerates settlement, and strengthens ledger resilience across card programs. Serve as a card-issuing domain expert and trusted partner, with deep understanding of processor, issuing-bank, and network interactions, card program economics, and how Affirm’s products operate within that ecosystem. Measure and improve platform health, defining success metrics such as settlement success rates, reconciliation coverage, exception volumes, and time-to-resolution; establish SLAs, runbooks, and observability for critical money-movement pipelines. Communicate clearly with senior leaders, presenting insights, tradeoffs, and recommendations that inform strategy and drive company objectives. What we look for 4+ years of product management experience, including ownership of complex, cross-functional software platforms. Experience working in the card payments ecosystem at a fintech, issuing or acquiring bank, card processor, network, or payments infrastructure company. Hands-on experience with cardflows and how they interact with ledgers, cash accounts, and reconciliation processes. Strong understanding of the card issuing and acquiring lifecycle, including familiarity with card network message schemas and how transactions translate into issuer–acquirer message flows across the lifecycle. Proven ability to influence stakeholders and partner closely with Engineering, Finance, and external partners on funding strategy, accounting alignment, cash tracking, and reconciliation workflows. Demonstrated ability to operate in ambiguity, synthesize incomplete inputs, and drive execution from concept through launch. Comfort working with technical systems (APIs, files, schemas) and translating complex financial flows into precise product requirements. This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Pay Grade - N Equity Grade - 8 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: $190,000 - $240,000 USA base pay range (all other U.S. states) per year: $169,000 - $219,000 #LI-Remote Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities. We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include: Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.