Senior Product Manager, Card 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. Affirms 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 Affirms 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 Affirms 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.

• 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 Affirms 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 Affirms 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.

• 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,…