Product Manager, Card

Staff Product Manager, Card Experience (Affirm)

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, you will 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:
  Act as the conductor for a 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. Turn regulatory requirements into seamless product experiences.
• Drive Activation Economics:
  Own the metrics that matter. Responsible for 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:
  History of launching new products or features from scratch that fundamentally changed user behavior.
• Technical & Design Fluency:
  Speak the language of engineering (API constraints, latency) and have a high bar for UI/UX design. Know what "butter smooth" feels like and won’t settle for clunky interactions.
• Strategic Influence:
  Lead without authority, aligning senior stakeholders and guiding embedded engineering/design pods through ambiguity.
• Data‑Driven Intuition:
  Fluent in SQL/Amplitude and use data to find bottlenecks, but also apply product intuition to solve them.
• Either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade – P

Equity Grade – 13

USA base pay range (CA, WA, NY, NJ, CT): $225,000 – $275,000 per year.

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

• Health care coverage – Confirmed that all premiums are covered for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – Generous stipends for technology, food, lifestyle needs, and family‑forming expenses.
• Time off – Competitive vacation and holiday schedules.
• ESPP – Employee stock purchase plan enabling you to buy shares 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.

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.

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