高级产品经理，信用与定价
Senior Product Manager, Credit & Pricing
在Affirm，我们存在的意义是为那些重要的时刻提供清晰、可预测的支付方式，没有隐藏费用，没有意外，也不会在最重要的事情上做出妥协。
关于产品团队
产品团队倾听客户的需求，并将这些洞察转化为明确的产品愿景。团队与设计、工程和分析团队紧密合作，打造可扩展的金融产品，帮助人们自信地管理自己的资金。我们依靠同理心、好奇心和商业意识来优先考虑功能并改善体验。我们的职责是通过清晰的领导力，支持跨职能的执行，并在每个决策中代表用户。
关于该职位
我们正在寻找一位杰出的产品经理，他不受传统银行现有范式的限制。该职位属于信用与定价产品团队，负责整个商家和渠道合作伙伴组合中的消费者信用、承销、商家定价和贷款经济。加入该团队后，你将成为Affirm信用与定价战略的核心，推动我们在新垂直领域和产品 offerings 中的扩展。该团队推动创新解决方案，为美国及全球的最终用户提供体验，同时与包括但不限于产品、工程、分析、设计、市场、法律、资本、商业等在内的各种团队合作。
你将负责
- 与信用与定价工程、分析和上市团队的同事协作，定义并推动产品策略。
- 定义新产品和功能，制定规格和原型，使商家能够为消费者提供有吸引力的融资条款。
- 分析产品功能的影响并定义成功指标。
- 成为信用、定价、商业、设计和工程团队的值得信赖的合作伙伴，以成功推出和扩展产品。
- 与产品团队合作，支持与Affirm信用与定价能力接口的项目（例如，国际扩张、大型商家集成、新产品垂直领域、成本优化）。
我们寻找的人选
- 动机：你对改善消费金融充满热情和动力。
- 分析能力：你具有数据驱动的学习风格，使用定量信息来做产品决策。
- 实验心态：你喜欢以一种结合客户需求的方式进行测试和学习。
查看英文原文
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
About the Product team
The Product team listens to our customers’ needs and translates those insights into a clear product vision. The team works closely with design, engineering, and analytics to build scalable financial products that empower people to manage their money with confidence. We rely on empathy, curiosity, and business sense to prioritize features and improve experiences. Our role is to lead with clarity, support cross-functional execution, and champion the user in every decision.
About the role
We’re looking for an outstanding product manager who is not bound by the existing paradigms of traditional banks. This role is part of the Credit & Pricing Product team, responsible for consumer credit, underwriting, merchant pricing, and loan economics across the entire portfolio of merchants and channel partnerships. In joining this team, you will be at the center of Affirm’s credit & pricing strategy to expand our footprint into new verticals and product offerings. The team drives innovative solutions that fuel all end user experiences in the US and globally while partnering with a wide variety of teams including but not limited to product, engineering, analytics, design, marketing, legal, capital, commercial and more.
What you’ll do
- Define and drive product strategy in collaboration with your peers in Credit & Pricing engineering, analytics, and go-to-market teams.
- Define new products and features with specs and prototypes that enable merchants to offer consumers attractive financing terms.
- Analyze the impact of product features and define metrics for success.
- Establish yourself as a trusted partner of our Credit, Pricing, Commercial, Design, and Engineering teams to successfully launch and scale products.
- Collaborate across product teams to support initiatives that interface with Affirm’s Credit & Pricing capabilities (e.g., international expansion, large merchant integrations, new product verticals, cost optimizations).
What we look for
- Motivation: You have a passion and drive to change consumer finance for the better.
- Analytical skills: You have a data-driven learning style and use quantitative information to make product decisions.
- Experimental mindset: You like to test and learn in a way that incorporates both customer needs and data. You must be comfortable operating autonomously and unafraid to learn/fail fast.
- Results: Experience shipping simple, elegant user-facing products with measurable impact to the bottom line.
- Product experience: Minimum 4+ years of prior product or relevant experience in consumer finance, payments, underwriting, and machine learning models.
- Bachelor’s or Master’s in Computer Science, or other related fields; or equivalent practical experience.
Pay Grade - N
Equity Grade - 9
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: $195,000 - $255,000
USA base pay range (all other U.S. states) per year: $173,000 - $233,000
#LI-Remote
Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.
Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:
- Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
- Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
- Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
- Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.
We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.
For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
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