Product Manager, Card

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.

The Affirm Card is at a massive inflection point. We have reached millions of cardholders inside our network, but we are just scratching the surface of a 150M+ external TAM. We are looking for a Staff Product Manager to own the critical "Pre‑Swipe" Experience – the defining moments between a user saying "yes" to the card and making their first purchase.

This is not just an optimization role; it is a 0→1 strategic ownership role. You will be responsible for the Activation Journey, New User Experience (NUX), and the Checkout experience. Your mandate is to make the onboarding process "butter smooth" in an industry known for friction, turning complex financial compliance into a magical, instant consumer experience.

You will lead the vision for how we welcome millions of new users, creating the fastest, most delightful path to share of wallet. You will build the bets that change how people think about cards, spend and pay over time for many years to come.

Own the "Pre‑Swipe" Vision: Define the long‑term strategy for Card Activation and New User Experience. Own the roadmap for taking a user from "Interested" to "Ready to Transact," bridging the gap between digital provisioning and physical card unboxing.

Build 0→1 Growth Bets: Identify and launch net‑new features that drive activation. Whether it’s gamified onboarding, instant wallet provisioning (Apple/Google Pay), or novel "first‑use" incentives, lead the charge on innovation.

Obsess Over the Funnel: Manage the end‑to‑end checkout and activation funnel. Ruthlessly eliminate friction, optimizing for speed, clarity, and delight, ensuring our drop‑off rates are industry‑leading lows.

Cross‑Functional Leadership: As a Staff PM, con‑duct the complex group of stakeholders. Partner deeply with Engineering to decouple growth from platform debt, and work with Design to ensure our UX is world‑class.

Navigate Complexity: Work hand‑in‑glove with Risk, Legal, and Compliance to invent new ways to onboard users safely without sacrificing speed, turning regulatory requirements into seamless product experiences.

Drive Activation Economics: Own the metrics that matter – Time‑to‑First‑Transaction, 30‑Day Activation Rates, and Wallet Provisioning penetration.

7+ years of Product Management experience, with a clear track record in consumer mobile apps, fintech, or neobanks.

Experience Owning Critical Funnels:
Deep experience optimizing high‑stakes conversion flows (e.g., checkouts, sign‑ups, KYC) and understanding the psychology of user activation.

0→1 Builder Mentality:
You aren’t just an optimizer; you have a history of launching new products or features from scratch that fundamentally changed user behavior.

Technical & Design Fluency:
You can speak the language of engineering (API constraints, latency) and have an incredibly high bar for UI/UX design. You know what "butter smooth" feels like and won’t settle for clunky interactions.

Strategic Influence:
Experience leading without authority, aligning senior stakeholders and guiding embedded engineering/design pods through ambiguity.

Data‑Driven Intuition:
Fluent in SQL/Amplitude, you use data to find bottlenecks but apply product intuition to solve them.

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field

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: $225,000 - $275,000
USA base pay range (all other U.S. states) per year: $200,000 - $250,000
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