Affirm · 6 hours ago
Senior Product Manager, Card Platform
St Louis, MO
Full-time
Hybrid
Mid, Senior Level
$190K/yr - $240K/yr
4+ years expAffirm is reinventing credit to make it more honest and friendly, focusing on delivering financial products that improve lives. The Senior Product Manager on the Card Platform team will own the strategy and execution for Affirm’s Money Movement and Ledgers across the company’s card products, leading the development of critical systems and working cross-functionally to enable growth.
LendingFinanceFinTechPaymentsFinancial Services
Responsibilities
Own and drive the product roadmap for card funding flows, settlement orchestration, ledger posting, and reconciliation, balancing near-term delivery with long-term platform scalability
Design scalable reconciliation and exception-handling systems that ensure all settlements, disbursements, and funds movements are accurately posted, traceable, and reportable via card ledgers
Evolve Affirm funding and liquidity orchestration models across multiple capital sources (e.g., consumer balances, treasury accounts, credit facilities) to optimize capital efficiency and program resiliency
Define and launch new card programs from 0→1, including program account structures, funding mechanics, and reconciliation frameworks, to support expansion into new products, geographies, and channels, in close partnership with issuing banks and processors
Lead cross-functional execution across Engineering, Finance, Analytics, Legal/Compliance, and Operations to deliver reliable, compliant, and fully traceable money movement and ledger systems
Address unique funding challenges at the intersection of BNPL and card issuing through platform innovation that improves funding flows, accelerates settlement, and strengthens ledger resilience across card programs
Serve as a card-issuing domain expert and trusted partner, with deep understanding of processor, issuing-bank, and network interactions, card program economics, and how Affirm’s products operate within that ecosystem
Measure and improve platform health, defining success metrics such as settlement success rates, reconciliation coverage, exception volumes, and time-to-resolution; establish SLAs, runbooks, and observability for critical money-movement pipelines
Communicate clearly with senior leaders, presenting insights, tradeoffs, and recommendations that inform strategy and drive company objectives
Qualification
Required
4+ years of product management experience, including ownership of complex, cross-functional software platforms
Experience working in the card payments ecosystem at a fintech, issuing or acquiring bank, card processor, network, or payments infrastructure company
Hands-on experience with cardflows and how they interact with ledgers, cash accounts, and reconciliation processes
Strong understanding of the card issuing and acquiring lifecycle, including familiarity with card network message schemas and how transactions translate into issuer–acquirer message flows across the lifecycle
Proven ability to influence stakeholders and partner closely with Engineering, Finance, and external partners on funding strategy, accounting alignment, cash tracking, and reconciliation workflows
Demonstrated ability to operate in ambiguity, synthesize incomplete inputs, and drive execution from concept through launch
Comfort working with technical systems (APIs, files, schemas) and translating complex financial flows into precise product requirements
This position requires 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 - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
Company
Affirm
Affirm is a financial technology services company that offers installment loans to consumers at the point of sale.
1001-5000 employees
H1B Sponsorship
Affirm has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (104)
2024 (96)
2023 (133)
2022 (179)
2021 (132)
2020 (57)
Funding
Current Stage
Public CompanyTotal Funding
$7.57BKey Investors
New York Life InsuranceSixth StreetPGIM Fixed Income
2025-10-31Post Ipo Debt· $750M
2024-12-17Post Ipo Debt· $800M
2024-12-13Post Ipo Debt· $4B
Leadership Team
Max Levchin
Founder & CEO
Robert O'Hare
Chief Financial Officer
Recent News
2026-02-12
Business News: Pasadena Star-News
2026-02-09
Company data provided by crunchbase