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.

About the team

The Consumer Payments team at Affirm owns systems handling billions of Dollars worth of transactions each year. You will work at scale to support the growth and expansion of Affirm's payments platform and wider business.

What You'll Do

• With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
• You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
• You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
• You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.

What We Look For

• You have a total of 1.5+ years of experience as a software engineer.
• You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin.
• You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.
• You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• You have strong verbal and written communication skills that support effective collaboration with our global engineering team.

Pay Grade - L

Equity Grade - 4

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

GBR base pay range per year: £98,000 - 138,000

Location: UK Remote

#LI-Remote

Affirm is committed to building lasting partnerships with merchants for long term growth and ongoing revenue generation. As a Senior Customer Success Manager, you will join a growing team driving value and growth with large strategic merchants. This is a high-profile, customer-facing role requiring outstanding results-oriented, relationship and program management skills. 

This role oversees a portfolio of Affirm’s strategic accounts in the UK with the goal of driving ambitious results across the business. Success in this role entails delivering strong results, collaborating across different teams and levels with key stakeholders, strong analytical skills and excellent executive presence including written and verbal communications.

What you'll do

• You will own and lead Affirm’s largest relationships with our international partners to build connections, drive growth and oversee long-term strategy across multiple business units.

• You will be responsible for defining and driving the strategic vision for the partnership, aligning joint priorities with Affirm’s broader goals, and influencing senior stakeholders on both sides.

• You will develop and execute multi-year growth roadmaps, including product integrations, co-marketing strategies, and go-to-market expansions that drive significant GMV, revenue, and user acquisition.

• You will analyze partner performance and recommend programs to increase product adoption, grow awareness and visibility, and sell into expansion opportunities.

• You will orchestrate cross-functional teams across our Product, Technical, Credit, Analytics, Marketing, and Risk teams to execute partnership initiatives and drive business results.

• Manage customer health to ensure overall customer satisfaction and business results

What we look for

• 10+ years of B2B client-facing experience; preferably in a tech or fintech environment.

• Excellent customer relationship management skills with the ability to lead and grow complex, strategic partnerships at the executive level.

• Experience in driving and managing cross-functional, multi-stakeholder initiatives with high attention to detail.

• Strong written (e.g. proposals, memos, e-mails) and verbal communication (e.g. presenting) skills, with the ability to influence senior stakeholders and executive audiences.

• Excellent analytical abilities, including the ability to suss out key data points and trends, and report out to internal and external stakeholders.

• Experience structuring, negotiating, and closing large-scale commercial contracts. (e.g., RFPs, renewals, and multi-year agreements)

• Ability to adapt quickly to changing priorities, take initiative, and go beyond defined responsibilities to drive success of projects and the broader team.

• Ability to craft compelling value propositions, deliver persuasive presentations, and drive engagement with stakeholders to achieve business objectives.

• Knowledge of consumer finance offerings, SaaS solutions, and e-commerce preferred.

• Comfortable using Salesforce and BI tools.

Help us make Affirm the favourite way to pay in the UK - one merchant partnership at a time.

We're looking for a UK Partner Marketing Manager who'll team up with Britain's biggest retailers to put Affirm in front of millions of consumers and make it the payment they choose first.
If you thrive at the intersection of strategy, creativity, and commercial impact - and you get a genuine buzz from seeing your work move the needle - keep reading.

Reporting to the UK Marketing Director, you'll be the driving force behind Affirm's merchant co-marketing strategy across the UK. Think of yourself as the connective tissue between Affirm, some of Britain's biggest retailers, and millions of consumers. Drive customer acquisition through merchant partnerships, Build awareness of Affirm among target customers via collaborative campaigns, Deliver mutual growth -  for Affirm and our partners, Shape the UK marketing roadmap in lockstep with broader market goals, You'll own end-to-end partner marketing relationships with key UK merchants, building programmes that deliver measurable results while navigating the unique dynamics of the British retail landscape. This is a role for a strategic marketer who relishes complexity and builds partnerships that last. You'll join a team that values bold thinking, radical ownership, and genuine collaboration.

What you'll do
Campaign Strategy & Execution

• Design and deliver full-funnel co-marketing campaigns across categories and channels — from go-to-market strategy through to monthly planning and optimisation
• Identify campaign targets aligned with business goals: awareness, acquisition, engagement, and payments adoption across the entire customer journey
• Partner with external media agencies, internal growth marketing, and brand teams to develop high-performing media plans and compelling creative

Partnership Development

• Build and nurture deep marketing relationships with merchant partners — be the trusted advisor they call first
• Proactively spot opportunities to optimise performance and accelerate growth together
• Partner with the Sales team on strategic RFPs, developing bespoke marketing plans that win new business

Insights & Optimisation

• Deliver sharp analysis, insights, and reporting to internal and external stakeholders
• Use data to tell the story — and to make the next campaign even better
• Leverage retail industry knowledge and research to develop vertical-specific strategies that punch above their weight

Cross-functional Impact

• Be the merchant advocate inside Affirm — champion partner needs, drive process efficiencies, and share learnings
• Manage partner marketing budgets, co-marketing calendars, and compliance submissions with rigour and care

What we look for

• 7+ years in Partner Marketing, Performance Marketing, or Brand Marketing in direct-to-consumer brands
• A strategic marketing mindset -  you see the big picture and sweat the details
• Full-funnel planning expertise with a strong command of paid media strategy, planning, and measurement
• A natural relationship builder and skilled negotiator who can influence stakeholders at every level
• Strong analytical mind -  you're fluent in marketing metrics, performance reporting, data-driven optimisation, and campaign measurement frameworks
• Proven experience co-developing plans and launching integrated programmes with partners across multiple channels
• A track record of cross-functional collaboration with Sales, Customer Success, Analytics, Creative, Consumer Product Marketing, and agency partners
• Deep understanding of the British retail market and its unique dynamics - this is non-negotiable
• Online retail marketing expertise -  you know what works in e-commerce
• Experience writing creative briefs, testing creative approaches, and iterating based on insights
• Outstanding communication skills -  clear, persuasive, and effective across teams and time zones
• Self-motivated with a bias for action and a genuine desire to share knowledge with others

Nice-to-haves that'll make us extra excited

• Experience in home, consumer electronics, fashion, and/or travel verticals
• Omnichannel retail expertise - bridging online and in-store
• European markets experience -  because our ambitions don't stop here

We are looking for an energetic and hardworking product lawyer to join our International Product Legal team. This individual will support the servicing and underwriting lifecycle for payments, BNPL loans, including underwriting, servicing, and collections. The best candidate will be flexible enough to engage in a wide range of projects and matters in support of Affirm’s strategic objectives. We are looking for someone who takes their work seriously, but doesn’t take themselves too seriously. If you are an individual with humility, grit, and flexibility, this is the job for you!

Come join us in our mission to change consumer finance through offering honest financial products that improve lives! 

What You’ll Do

• Counsel Affirm’s Business teams and other cross-functional stakeholders on relevant consumer financial services laws and regulations affecting new and existing products and services. This includes the Australia Consumer Credit and Consumer Protection Laws, Regulatory Compliance, and foundational legal and regulatory frameworks that cover payments, e-commerce, and online platforms

• Support Affirm’s origination and servicing of loan and payment products 

• Provide strategic advice regarding Australia consumer finance and protection laws

• Monitor legal and regulatory developments in consumer lending and servicing

• Be a trusted advisor and teammate, sharing legal and other expertise and support when needed 

• Identify and evaluate business and legal risks and act as a trusted partner for creative legal problem-solving 

• Draft terms and conditions, disclosures, review copy

• Create and solve initiatives related to new and existing Affirm products to ensure business partners are supported 

• Ability to work independently, and learn other jurisdiction regulations and laws

What We Look For

• Ideal candidate will have 6+ years of related business, government, or fintech experience, preferably with a focus on Payments, Consumer Credit, Banking, or BNPL

• Relevant education. You’re a qualified lawyer in Australia, UK, Spain, or equivalent jurisdiction, with a minimum of 5 years, and ideally 7 years of professional legal experience

• Someone who has established expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, KYC/AML, servicing, credit reporting, & collections

• A combination of private practice and in-house experience is preferred

• A quick learner who genuinely enjoys legal analysis and collaboration in a fast-paced environment - you take your work seriously, but don’t take yourself too seriously 

• Experience developing creative approaches to legal challenges while providing business-focused legal advice 

• Inquisitive and proactive in identifying risks and proposing creative and effective solutions 

• Strong project management, critical thinking, creativity, and analytical skills 

• Someone focused on maintaining positive relationships and trust with cross-functional business partners 

• Passion for improving credit products and consumer experiences 

Base Pay Grade - O

Equity Grade - 5

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

ESP base pay range per year: €96,000  -  €126,000    

Additional benefits include:

• Flexible Spending Wallets for tech, food and lifestyle
• Away Days - wellness days to take off work and recharge
• Learning & Development programs
• Parental benefits
• Employee Resource & Community Groups

Location - Remote Spain

#LI-Remote

We are looking for an energetic and hardworking product lawyer to join our International Product Legal team. This individual will support the servicing and underwriting lifecycle for payments, BNPL loans, including underwriting, servicing, and collections. The best candidate will be flexible enough to engage in a wide range of projects and matters in support of Affirm’s strategic objectives. We are looking for someone who takes their work seriously, but doesn’t take themselves too seriously. If you are an individual with humility, grit, and flexibility, this is the job for you!

Come join us in our mission to change consumer finance through offering honest financial products that improve lives! 

What You’ll Do

• Counsel Affirm’s Business teams and other cross-functional stakeholders on relevant consumer financial services laws and regulations affecting new and existing products and services. This includes the Australia Consumer Credit and Consumer Protection Laws, Regulatory Compliance, and foundational legal and regulatory frameworks that cover payments, e-commerce, and online platforms

• Support Affirm’s origination and servicing of loan and payment products 

• Provide strategic advice regarding Australia consumer finance and protection laws

• Monitor legal and regulatory developments in consumer lending and servicing

• Be a trusted advisor and teammate, sharing legal and other expertise and support when needed 

• Identify and evaluate business and legal risks and act as a trusted partner for creative legal problem-solving 

• Draft terms and conditions, disclosures, review copy

• Create and solve initiatives related to new and existing Affirm products to ensure business partners are supported 

• Ability to work independently, and learn other jurisdiction regulations and laws

What We Look For

• Ideal candidate will have 6+ years of related business, government, or fintech experience, preferably with a focus on Payments, Consumer Credit, Banking, or BNPL

• Relevant education. You’re a qualified lawyer in Australia, UK, or equivalent jurisdiction, with a minimum of 5 years, and ideally 7 years of professional legal experience

• Someone who has established expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, KYC/AML, servicing, credit reporting, & collections

• A combination of private practice and in-house experience is preferred

• A quick learner who genuinely enjoys legal analysis and collaboration in a fast-paced environment - you take your work seriously, but don’t take yourself too seriously 

• Experience developing creative approaches to legal challenges while providing business-focused legal advice 

• Inquisitive and proactive in identifying risks and proposing creative and effective solutions 

• Strong project management, critical thinking, creativity, and analytical skills 

• Someone focused on maintaining positive relationships and trust with cross-functional business partners 

• Passion for improving credit products and consumer experiences 

Base Pay Grade - O

Equity Grade - 5

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

GBR base pay range per year: £133,000 - £173,000

#LI-Remote

The Fraud Strategy & Analytics team works cross-functionally with Machine Learning, Product, Engineering, and Operations to combat fraudulent activities and to foster a safe platform. 

We're looking for a new team member to help lead our team’s fraud monitoring and detection efforts and own fraud escalations as we scale internationally. Additionally, this role will work closely with our cross functional partners to help develop our fraud detection and decisioning systems. 

What you'll do

• Develop strategies for monitoring and preventing fraud across our network, advising on best  practices and ensuring the strategies align with risk management goals.
• Leverage advanced data analytics to identify loss drivers, derive insights and optimize fraud management strategies
• Report on fraud trends and loss drivers to cross functional partners and senior management
• Quickly respond to fraud rings and ensure issues raised by other teams are addressed in a timely manner
• Work together with our operations team to help limit losses and ensure optimal review volumes
• Assist with evaluation and development of new external or internal features/signals to improve our fraud detection capabilities
• Assist with team planning and goal setting as well as coaching and mentorship of more junior team members

What we look for

• 7+ years of experience in Fraud Management or a related field preferred with a prior emphasis on analytics.
• Product knowledge - Passion to understand how the product works and how to change it to make it more effective
• Able to thrive in a fast-paced environment and be responsive and available during times of peak fraud activity
• Ability to work later starts several days a week so as to allow for increased overlap with US based colleagues.
• Technical skills - Extensive experience writing and analyzing SQL queries; comfort using python or other scripting languages for data analysis
• Communication - Ability to build strong cross functional partnerships and work with a diverse range of teams across the organization. Ability to communicate analyses and recommendations clearly to both technical and non-technical audiences
• Multi-tasking - Strong time management skills and the ability to shift focus on a moment's notice to respond to changes in fraud pressure and tactics
• Industry knowledge - Working knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development.
• Bachelor’s degree, or local equivalent, in a quantitatively rigorous field like engineering, statistics, math, finance, economics desired

Compensation & Benefits

Pay Grade - O
Equity Grade - 6

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

GBR base pay range per year: £133,000 - £173,000

Location - Remote UK

#LI-Remote

Our mission to deliver honest financial products that improve lives extends beyond borders. Consumers across the globe need safe, transparent financing. Our retail partners need Affirm to be there for them, wherever that might be. To help achieve this vision, we are expanding our product lines and becoming a global company.

The International team is responsible for growing Affirm’s presence & performance with merchants across the globe and building the products & capabilities that enable Affirm to enter into new verticals and markets.

As a Group Product Management Manager on the International team, you will drive Affirm’s expansion and growth in the UK and new international markets – from iterating on the product vision, refining the product strategy, developing a roadmap, and leading execution.

In this role, you will scale and manage a team of Product Managers owning surface areas across our Purchase Experiences for the UK and new markets, partnering closely with a broad set of cross functional teams to drive International strategy and outcomes across Affirms largest strategic partners. Effective stakeholder management and ability to successfully navigate organizational dynamics are a must for success. You should be commercially minded, be high agency with a bias towards action, and comfortable having technical conversations and opinions.
 

What You'll Do

• Drive the execution, growth, and scale of Affirm in the United Kingdom and new international markets
  
  
• Scale and manage a team of Product Managers, driving a high empowerment and bar-raising culture
  
  
• Drive success metrics by shipping high impact work that meaningfully moves the needle for Affirm’s business and customers
  
  
• Partner effectively with engineering teams across the organization to drive product development and prioritization
  
  
• Collaborate with stakeholders (such as Revenue, Legal, Compliance, Credit, Fraud, etc) to shape your product roadmap and incorporate legal, governance & regulatory oversight into your products
  
  
• Understand Affirm users and merchants at a deep level -- what’s important to them, what drives their decision making, why they love Affirm, and what they wish we could do better
  
  
• Identify and create the experiences that make it seamless for strategic partners, platforms, and key merchants to deliver an incredible buy now, pay later experience to consumers

What We Look For

• This isn’t your first rodeo. You’ve directly managed technical software products from kick-off to post-launch – driving meaningful business impact that you can speak to
  
  
• You have experience working on consumer technology product in the UK or Europe. Bonus points if it is a fintech product, even more bonus points if it is a BNPL product.
  
  
• You have managed a high performing team of product managers
  
  
• You’re equally comfortable diving into technical details with an engineer, iterating on a Figma with a designer, and breaking down a funnel with a data analyst
  
  
• You have the discipline, organizational skills, and interpersonal communication skills necessary to navigate complex organizational dynamics – you have specific examples of times when you’ve secured a decision from a broad group of senior stakeholders
  
  
• You’ve worked in an environment where you were reliant on engineering teams outside of your direct purview and were able to effectively influence them to prioritize and build what you needed for your product
  
  
• You’re the kind of person who cares about getting things done. You have a bias towards action and can effectively navigate obstacles and blockers
  
  
• You can turn incomplete, conflicting, or ambiguous inputs into a solid action plan
  
  
• You have direct experience shipping high-quality products on time
  
  
• You feel comfortable jumping into the commercial aspects of product development – you’re able to pitch, contribute to negotiations, and give feedback on contracts.

Compensation & Benefits

Pay Grade - R
Equity Grade - 10

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

GBR base pay range per year: £162,000 - £202,000  

Location - Remote UK

#LI-Remote