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 action-oriented Operations Risk Lead to join our Operations team and strengthen our risk management foundation as we scale. This role will serve as a key partner across Operations, Product, Engineering, Legal, and Compliance, owning the strategy and execution of incident and issue management while building risk frameworks that protect our customers, agents, and business.
You’ll champion the customer, merchant, and agent experience while navigating regulatory and operational complexity. Whether managing an urgent incident, evaluating systemic control gaps, or influencing cross-functional partners to prioritize fixes, you bring clarity, calm, and a solutions mindset. If you thrive in ambiguity, excel at cross-functional influence, and have a passion for operational rigor, this is the role for you.

• Lead incident and issue management processes, ensuring rapid triage, root cause analysis, customer harm mitigation, and timely cross-functional remediation.
• Represent Operations in incidents of varying severity, offering both immediate response coordination and long-term control design recommendations.
• Build and maintain a scalable risk framework that prioritizes high-risk areas and drives control improvements in partnership with Product, Engineering, Legal, Compliance, and other teams.
• Collaborate with Legal and Compliance to support regulatory reporting and ensure all incidents meet applicable requirements.
• Establish and run control testing and risk assessments to evaluate the effectiveness of operational and technical controls.
• Develop tools and strategies to improve risk visibility, data normalization, and process automation.
• Provide concise risk reporting and status updates to senior leadership.
• Assess risk in technical systems, third-party vendors, and internal processes; define mitigation strategies and ensure timely execution.
• Foster a risk-aware culture and serve as a subject matter expert on operational and technical risk across the organization.
• Partner with your Manager and team members to support team morale, development, and shared purpose through active coaching and engagement.
• Lead and contribute to risk-related initiatives across cross-functional programs, audits, and regulatory reviews.