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.

• 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.