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.
The Backbook Risk Team is responsible for Affirm’s backbook strategy and operational execution. This team is responsible for managing its collection and recovery processes while striving to maximize NACO reductions and efficiently manage operational expenses. This team works cross-functionally with Risk, Compliance, Machine Learning, Product, Engineering, Operations, Analytics, and Finance teams to define and execute the Backbook Risk strategies, improve collection rates and ensure compliance with all local, state and national laws and regulations.
As a Backbook Operations Process Manager, you will play a pivotal role in guiding the backbook operations team as it looks to grow, scale and develop both domestically and internationally. We are seeking a dynamic leader with a robust background in process improvement, data analysis, and project management, who is passionate about creating efficient, effective, changes and improvements to our existing frameworks. In this role, you will lead the team in writing, developing, implementing and maintaining the policies that guide our backbook risk processes. You will craft and execute strategies to drive continuous improvement and foster cross-functional collaboration.
This role also requires extensive use of data analytics to derive insights, and develop operational strategies that improves an agent's ability to collect on delinquent debts in the most cost effective manner possible. Collaborating with cross-functional partners, the operations process manager works with the larger Backbook Operations team as well as Product teams to develop strategies and processes that improve the businesses net charge off rate while maintaining or lower its operational expenses. This role is also expected to work heavily with the broader Risk and Finance teams to help facilitate discussions on portfolio performance and loss forecasting.
Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience!
What You'll Do
What We Look For
Pay Grade - J
Equity Grade - 6
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 Pacific base pay range (CA, WA, NY, NJ, CT): $130,000 - $170,000
USA Sapphire base pay range (all other U.S. states): $115,000 - $155,000
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:
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 the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
