Senior Operations Risk Manager

August 29

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Affirm

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Fintech • B2C • eCommerce

Affirm is a financial technology company that offers a 'Buy Now, Pay Later' service, allowing consumers to make purchases and pay for them over time with flexible payment plans. Affirm eliminates hidden fees and compound interest, providing clear terms and conditions for its users. The company also offers the Affirm Card, a debit card that allows users to request to pay over time for larger purchases or pay in full for smaller ones. Affirm partners with various retailers across multiple categories, including electronics, apparel, and travel, providing customers with the convenience of paying over time at checkout both online and in physical stores. Affirm's services are integrated with Apple Pay, enabling customers to make payments seamlessly from their iPhone or iPad.

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

📋 Description

• 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’re looking for a strategic and analytically driven Senior Risk Strategy and Programs Manager to join the Operations team and lead the design of a robust, data-informed risk management framework. This role will partner closely with cross-functional teams across Product, Engineering, Legal, and Compliance to identify systemic operational risks, build feedback loops from incident and issue data, and drive prioritization of improvements that enhance the customer experience and reduce exposure. • This is a high-impact, builder role focused on proactively identifying risk signals, designing control strategies, and influencing senior stakeholders to embed risk mitigation into roadmap planning. If you thrive in ambiguity, can connect the dots between signals and systemic risk, and have a passion for customer advocacy through operational excellence—this is the role for you. • What You’ll Do: Design and own the servicing risk program, including frameworks for risk identification, measurement, and reporting. • Build structured feedback loops that synthesize data from incidents, issues, audits, and servicing outcomes to identify systemic risks and areas for improvement. • Translate risk signals into clear, data-backed narratives that influence prioritization across Product, Engineering, and Ops. • Develop risk models, dashboards, and reporting infrastructure to track exposure, trends, and mitigation progress over time. • Partner with Compliance, Legal, and Audit to ensure alignment on risk posture, regulatory expectations, and control coverage. • Define risk metrics tied to customer experience, agent outcomes, and business resilience—and ensure they're tracked consistently. • Act as a strategic thought partner in cross-functional forums to embed risk thinking into roadmap and process decisions. • Support the broader Ops Risk team by advising on root cause themes from incidents and issues, without directly owning incident/issue management. • Contribute to team development by mentoring peers and reinforcing a culture of proactive risk ownership and continuous improvement. • What We Look For: 10+ years of experience in operational risk, internal controls, or risk-related functions in a regulated or high-scale environment. Demonstrated ownership of risk or controls programs with measurable impact on process, product, or customer outcomes. Strong data skills, including hands-on SQL and dashboard/reporting development. Experience working cross-functionally with Product, Engineering, Legal, Compliance, and Operations. Exceptional communication and stakeholder engagement skills. Familiarity with audit, issue management, or regulatory readiness programs is a plus—though this role is focused on proactive risk strategy, not incident response. • Pay and benefits details: Base pay, equity ensures compensation as described.

🎯 Requirements

• 10+ years of experience in operational risk, internal controls, or risk-related functions in a regulated or high-scale environment. • Demonstrated ownership of risk or controls programs with measurable impact on process, product, or customer outcomes. • Strong data skills, including hands-on SQL and dashboard/reporting development. • Experience working cross-functionally with Product, Engineering, Legal, Compliance, and Operations. • Exceptional communication and stakeholder engagement skills. • Familiarity with audit, issue management, or regulatory readiness programs is a plus—though this role is focused on proactive risk strategy, not incident response.

🏖️ 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