Senior Operations Risk Manager

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:

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Design and own the servicing risk program, including frameworks for risk identification, measurement, and reporting.

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Build structured feedback loops that synthesize data from incidents, issues, audits, and servicing outcomes to identify systemic risks and areas for improvement.

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Translate risk signals into clear, data-backed narratives that influence prioritization across Product, Engineering, and Ops.

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Develop risk models, dashboards, and reporting infrastructure to track exposure, trends, and mitigation progress over time.

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Partner with Compliance, Legal, and Audit to ensure alignment on risk posture, regulatory expectations, and control coverage.

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Define risk metrics tied to customer experience, agent outcomes, and business resilience—and ensure they're tracked consistently.

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Act as a strategic thought partner in cross-functional forums to embed risk thinking into roadmap and process decisions.

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Support the broader Ops Risk team by advising on root cause themes from incidents and issues, without directly owning incident/issue management.

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Contribute to team development by mentoring peers and reinforcing a culture of proactive risk ownership and continuous improvement.

What We Look For:

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10+ years of experience in operational risk, internal controls, or risk-related functions in a regulated or high-scale environment.

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Demonstrated ownership of risk or controls programs with measurable impact on process, product, or customer outcomes.

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Strong data skills, including hands-on SQL and dashboard/reporting development.

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Experience working cross-functionally with Product, Engineering, Legal, Compliance, and Operations.

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Exceptional communication and stakeholder engagement skills.

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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 Grade - L

Equity Grade - 7

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: $160,000 - $210,000

USA base pay range (all other U.S. states) per year: $142,000 - $192,000

Please note that visa sponsorship is not available for this position.

#LI-Remote

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. Affirmers 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 the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• 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

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 U.S. 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 for employment qualified applicants with arrest and conviction records.

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