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 are looking for an energetic and hardworking product lawyer to join our Product Counsel Legal team. This individual will support Affirm’s Direct to Consumer and Merchant Engagement team to support Product in enhancing the user experience. The best candidate will be flexible enough to engage in a wide range of projects and matters in support of Affirm’s strategic objectives. We are looking for a team player who takes their work seriously, but doesn’t take themselves too seriously. If you are an individual with humility, grit, and flexibility, this is the job for you!
Come join us in our mission to change consumer finance through offering honest financial products that improve lives!
What You’ll Do
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Counsel Affirm’s Business teams and other cross-functional stakeholders on relevant federal and state consumer financial services laws and regulations affecting new and existing products and services, including the Truth in Lending Act; the Electronic Fund Transfer Act; The Equal Credit Opportunity Act; the Fair Credit Reporting Act; the Bank Secrecy and Anti-Money Laundering Act; laws prohibiting unfair, deceptive and abusive acts and practices; and related regulatory guidance and enforcement actions
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Support Affirm’s growth and acquisition including origination and servicing of BNPL products
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Provide strategic advice regarding state and federal lending, consumer finance and protection laws
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Monitor legal and regulatory developments in consumer lending and servicing
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Be a trusted advisor and teammate, sharing legal and other expertise and support when needed
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Identify and evaluate business and legal risks and act as a trusted partner for creative legal problem-solving
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Draft terms and conditions, disclosures, review copy & consumer user experience
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Assist with merchant engagement as needed
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Create and solve initiatives related to new and existing Affirm products
What We Look For
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Ideal candidate will have 6+ years of related business, government, or fintech experience, preferably with a focus on BNPL or Consumer Payments
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JD from a highly-reputable, ABA-accredited law school
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Someone who has established expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, money transmission, fair lending, BSA/AML, servicing, furnishing, & collections
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Admitted to practice law and in good standing in at least one state bar/jurisdiction
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A combination of federal government and in-house experience is preferred
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A quick learner who genuinely enjoys legal analysis and collaboration in a fast-paced environment
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Experience developing creative approaches to legal challenges while providing business-focused legal advice
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Inquisitive and proactive in identifying risks and proposing creative and effective solutions
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Strong project management, critical thinking, creativity, and analytical skills
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Someone focused on maintaining positive relationships and trust with cross-functional business partners
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Passion for improving credit products and consumer experiences
Base Pay Grade - O
Equity Grade - 8
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: $205,000 - $255,000
USA base pay range (all other U.S. states) per year: $182,000 - $232,000
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.
What the Team is Saying
What We Do
Since our founding over a decade ago, our mission has been to deliver honest financial products that improve lives. That mission hasn’t changed—and it never will. At Affirm, we believe money shouldn’t dictate your direction in life. That it should open up options instead of limiting them, and help you get where you’re going without getting in your way. That’s why we offer people the financial flexibility to choose what works for them—in finances and in life.
Why Work With Us
Who is an Affirmer?
/noun/
Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
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Affirm Offices
Remote Workspace
Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
