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.

Enterprise Risk at Affirm looks different than it does at many financial institutions.

The Enterprise Risk team helps the company understand and manage its most important risks. That includes core Enterprise Risk capabilities, as well as partnering with senior leaders to make thoughtful decisions about the risks we take in pursuit of our strategy.

As our Senior Director, Enterprise Risk Strategy, you'll partner closely with leaders including across Product, Engineering, Finance, Legal, Compliance, Operations, and Credit Risk to help navigate complex strategic, operational, product, and regulatory decisions. You'll help leadership make explicit tradeoffs, build alignment across differing perspectives, and translate strategy into practical risk appetite and operating guardrails.

Success in this role comes from exceptional judgment, intellectual curiosity, influence, and the ability to simplify complexity. We're looking for someone who enjoys building, thrives in ambiguous environments, and believes Enterprise Risk should create value for the business - not simply operate governance processes.

What You’ll Do

Lead Enterprise Risk Strategy

Lead the evolution of Enterprise Risk into a trusted business partner that enables better business decisions.
Design practical approaches that improve clarity and decision-making while minimizing unnecessary process and burden.
Translate enterprise strategy into clear risk appetite, practical operating guardrails, and decision-useful executive reporting.

Partner with executive leadership

Partner with executive leaders to navigate complex strategic, operational, product, and regulatory decisions.
Help leadership evaluate tradeoffs and build alignment across differing perspectives on risk and business priorities.
Bring an enterprise-wide perspective that helps leaders make informed decisions while supporting Affirm's culture of innovation and growth.

Drive Cross-Functional Influence

Build trusted relationships with leaders including across Product, Engineering, Finance, Legal, Compliance, Operations, and Credit Risk.
Influence through thoughtful challenge, sound judgment, and clear communication.
Serve as a trusted advisor who helps teams solve business problems.

Lead Enterprise Initiatives

Lead cross-functional initiatives that improve how Affirm identifies, discusses, and manages emerging enterprise risks.
Partner with teams across the company to navigate new products, technologies, regulatory changes, and strategic initiatives.
Translate complex business challenges into actionable recommendations for executive leadership.

Strengthen Enterprise Risk Capabilities

Continue evolving key Enterprise Risk capabilities, including operational risk, governance, issue management, third-party risk, and business continuity.
Improve executive reporting and risk insights that support better decision-making across the organization.

Lead a High-Impact Enterprise Risk Team

- Lead and develop a lean, high-impact Enterprise Risk team that helps the business make better decisions while strengthening core risk capabilities.
- Set the vision, priorities, and operating model for the Enterprise Risk function as it continues to evolve.
- Foster a culture of sound judgment, curiosity, business partnership, and thoughtful execution.
- Build a team that is known for pragmatic problem solving, trusted partnership, and effective challenge.

What We Look For

12+ years of experience in a regulated or risk-intensive environment such as fintech, financial services, or technology.
Experience leading business transformation, strategy, product risk, operations, governance, Chief of Staff, Enterprise Risk, or similar cross-functional initiatives
Exceptional business judgment with the ability to simplify complex problems and influence senior leaders.
Proven ability to build trust, challenge constructively, and drive alignment without formal authority or operating as a control function.
Comfortable navigating ambiguity, building new capabilities, and partnering closely with Product, Engineering, and other business-facing teams

A Note to Candidates

You don't need to have spent your entire career in Enterprise Risk to be successful in this role. If you've helped organizations navigate complex decisions, lead transformation, or influence executive teams in a regulated environment, we'd love to hear from you!

Pay Grade - U
Equity Grade - USA 15

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: $285,000 - $355,000

USA base pay range (all other U.S. states) per year: $253,000 - $323,000

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.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Director, Enterprise Risk Strategy

Fintech requirements

About This Role

A Note to Candidates