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 Role
As a Senior Product Manager on Affirm’s Credit & Pricing team, you’ll build products that help merchants turn flexible payments into measurable business growth. You’ll own the strategy for merchant pricing products and the platform capabilities behind them, helping businesses offer compelling financing, improve conversion, and generate incremental sales, while balancing merchant payment acceptance costs with sustainable economics for Affirm.
This role combines B2B product leadership with consumer product intuition. You’ll work directly with commercial teams and merchants to understand their growth objectives and economics, translate complex pricing capabilities into intuitive products, and bring new solutions to market. You’ll also partner across teams to connect pricing with how consumers discover and choose financing, while shaping future opportunities across targeted offers, incentives, and advertising.
What You’ll Do
- Set the product direction. Own the roadmap for merchant pricing products and platform capabilities, prioritizing merchant needs, consumer value, and business impact.
- Build products merchants adopt. Turn merchant insights into intuitive financing solutions. Partner with Commercial and Product Marketing to define the value proposition, launch products, and grow adoption.
- Connect pricing to consumer experiences. Make financing offers clear and compelling across the shopping journey, and evolve capabilities to support personalized offers, incentives, advertising, and market expansion.
- Lead complex product decisions. Align partners on tradeoffs across consumer experience, risk and Affirm’s business goals. Bring clear recommendations to senior leaders and drive decisions through execution.
- Own measurable results. Lead discovery, experimentation, and iteration to improve merchant adoption, incremental sales, conversion, and profitability.
What We Look For
- Merchant product experience. 5+ years in product management, including building and scaling B2B merchant products in payments, commerce, marketplaces, or related platforms.
- Commercial judgment. You understand payment acceptance costs, conversion, incrementality, and merchant ROI, and translate those economics into product decisions.
- Consumer product intuition. You turn complex capabilities into intuitive experiences that build consumer understanding and trust.
- Strong storytelling. You communicate product value, present compelling business cases, and influence merchants, executives, and cross-functional teams.
- Analytical rigor. You combine research, data, and experimentation to measure incremental impact and evaluate growth and unit economics.
- Technical fluency and ownership. You partner effectively with engineers, bring structure to ambiguity, and drive products from strategy through launch and adoption.
Experience with pricing, financing, loyalty, incentives, or advertising is a plus.
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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