Staff Product Manager, Card Experience

Job Description

Staff Product Manager, Card Experience at 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.

What You’ll Do

• 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 speed, clarity, delight, ensuring drop‑off rates are industry‑leading lows.
• Cross‑Functional Leadership: Act as 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 metrics that matter – Time‑to‑First‑Transaction, 30‑Day Activation Rates, and Wallet Provisioning penetration.

What We Look For

• 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.
• Strategic Influence – lead without authority, align senior stakeholders, guide embedded engineering/design pods through ambiguity.
• Data‑Driven Intuition – fluent in SQL/Amplitude, use data to find bottlenecks, but use product intuition to solve them.
• Required education: either equivalent practical experience or a Bachelor’s degree in a related field.

Benefits

• Health care coverage – affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – generous stipends for spending on technology, food, various lifestyle needs, and family forming expenses.
• Time off – competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• ESPP – employee stock purchase plan enabling you to buy shares of affirm at a discount.

Affirm is proud to be a remote‑first company. The majority of our roles are remote and you can work almost anywhere within the country of employment. Affiliates in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office. A limited number of roles remain office‑based due to nature of responsibilities.

Pay Grade: P (Employees new to affirm typically come in at start of pay range). Equity Grade: 7. Base pay range: $178,000 - $228,000 per year. Compensation may also 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).

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 US 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, affirm will consider employment of qualified applicants with arrest and conviction records.

By clicking “Submit Application,” you acknowledge that you have read affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Seniority level: Mid‑Senior level

Employment type: Full‑time

Job function: Product Management and Marketing