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. We are building our own bank—this role sits at the center of that ambition. As a Staff Product Manager you will own the end‑to‑end bank product: operationalizing a recent bank charter within the ecosystem, launching the deposit product, driving loan originations through the bank entity, and ensuring seamless integration across the platform.

It’s a rare opportunity to build a foundational new business line from the ground up—one that will reshape how we fund, serve, and grow relationships with our consumers.

What You’ll Do

- Own the end‑to‑end bank product. Serve as the single‑threaded product owner across deposits, loan originations, banking compliance, and operations.
- Launch and own the bank’s deposit product. Ship the deposit offering as part of the launch, then own the roadmap—scaling from early launch to a multi‑billion‑dollar deposit base and making strategic decisions about integration with credit products and the broader consumer experience.
- Operationalize the de novo bank build. Drive the cross‑functional work required to stand up and scale bank operations—ensuring regulatory readiness, process maturity, vendor integrations, and seamless connectivity with existing lending and money‑movement infrastructure.
- Drive originations through the bank entity. Shape how we originate and retain loans through our own bank, working with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory compliance.
- Navigate banking compliance and regulatory requirements. Partner with Legal, Compliance, Risk, and the Bank’s executive team to ensure all products and operations meet federal and state regulatory standards, building compliance into the product from day one.




- Integrate the bank deposit product into the consumer ecosystem. Define domain boundaries, design new data flows, and integration points with servicing, settlements, payments, checkout, and growth teams to ensure seamless operation within the app and platform.
- Influence up and across the organization. Communicate strategy, trade-offs, and priorities to senior leadership and the Board, building alignment among Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership.

What We Look For

- 6+ years of product management experience with a strategic, independent leadership style on complex, ambiguous initiatives.
- Proven program leadership at scale, owning high‑visibility cross‑functional launches with direct exposure to executive leadership or boards.
- Experience in banking, deposits, or lending—understanding deposit products, bank charter operations, loan origination mechanics, and the regulatory landscape.
- Bank charter experience strongly preferred—having contributed meaningfully to a de novo bank launch or early‑stage bank buildout.
- Deposit product strategy experience—having defined or scaled products such as high‑yield savings, spending accounts, or CDs and understanding levers of growth, pricing, and acquisition.
- Experience in fintech, financial services, or banking; familiarity with BNPL, neobanking, or platform products is a plus.
- Strong technical fluency—comfortable working with engineers on system design, data models, API architecture, and core banking platform integrations.




- Proficiency with AI‑assisted tools (e.g., Claude, Cursor) to accelerate work and raise quality and speed.
- Demonstrated ability to drive cross‑functional alignment across Legal, Compliance, Engineering, Finance, and executive leadership in highly regulated environments.
- Exceptional written and verbal communication—distilling complex regulatory and financial concepts into clear, compelling narratives for diverse audiences.
- Bias for action and intellectual curiosity—moving fast, asking hard questions, and taking ownership before being asked.
- Bachelor’s degree in a related field or equivalent practical experience.

Pay Grade: P

Equity Grade: 7

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). The base pay range is $181,000 – $241,000 per year.

Benefits

- Health care coverage – all premiums 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 – an 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.

[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, the company will consider qualified applicants with arrest and conviction records.

📌 Staff Product Manager, Affirm Bank (Waterloo)
🏢 Affirm
📍 Waterloo