Senior Operations Risk Manager - Remote

Overview

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.

In Short

• 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.

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.