Senior Director, Enterprise Risk Management

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.

Affirm’s Enterprise Risk team provides an enterprise-wide view of risk, helping the company identify, assess, and manage risks that span multiple business areas. The team helps the company understand its most important risks and supports sound decision-making to ensure risk is managed effectively as Affirm continues to scale and evolve.

We’re looking for a Senior Director, Enterprise Risk to lead and evolve Affirm’s enterprise risk management programs. This leader will be responsible for driving a cohesive, forward-looking risk strategy, strengthening our risk frameworks, enhancing enterprise risk insights, and enabling the business to make informed, risk-aware decisions.

This is a highly cross-functional leadership role that works closely with a wide range of partners including Product, Engineering, Credit Risk, Compliance, Legal, Finance, and Operations. You will serve as a trusted advisor to senior leadership, bringing a strong enterprise risk perspective and helping the company balance sound risk discipline with Affirm’s culture of innovation and growth.

What You’ll Do

Lead and Evolve Affirm’s Enterprise Risk Management Program

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Lead the ongoing evolution of Affirm’s Enterprise Risk Management program to support the company’s scale, complexity, and strategic priorities
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Strengthen enterprise risk governance, including risk appetite, risk taxonomy, and governance structures across the enterprise
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Drive alignment of risk management practices across business units while preserving appropriate flexibility for different risk types and operating models

Strengthen Core Enterprise Risk Programs

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Oversee and continue to mature key enterprise risk programs including Operational Risk, Third Party Risk Management, Business Continuity, Issues Management, and Risk Governance
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Ensure programs are integrated, data-driven, and aligned to to Affirm’s broader enterprise risk framework
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Identify opportunities to improve effectiveness, scalability, and clarity through process enhancements, data, and tooling

Enhance Enterprise Risk Insights and Reporting

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Develop and enhance risk analytics and reporting for executive leadership and governance forums
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Strengthen the use of risk metrics, trends, and analysis to identify emerging risks and support decision-making
Act as a Strategic Advisor and Credible Challenger
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Partner with senior leaders to assess risks associated with new products, initiatives, and strategic changes
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Provide independent, objective challenge on key risk decisions and mitigation strategies
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Support the business in taking smart, informed risks while staying within risk tolerance levels

Drive Cross-functional Alignment

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Help embed a thoughtful, risk-aware approach to decision-making across the company through strong partnership, communication, and engagement
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Drive enterprise-wide risk initiatives that require coordination across multiple teams
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Lead high-impact initiatives that improve the effectiveness and scalability of enterprise risk management

Build and Lead a High-performing Team

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• Develop and mentor a team of risk professionals
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• Establish clear priorities, operating rhythms, and performance standards
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• Scale the function’s impact in line with Affirm’s growth and evolving needs

What We Look For

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12–15+ years of experience in financial services, fintech, or technology environments, with deep expertise leading risk, audit, compliance, or related business or strategic operating functions

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Proven experience leading and maturing enterprise risk frameworks and programs in a dynamic, high-growth environment

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Strong strategic mindset and business judgment with the ability to connect risk management to business objectives and leadership decisions

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Demonstrated ability to influence senior stakeholders and drive alignment across functions without direct authority

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Strong analytical and communication skills with the ability to translate complex data into clear insights and actions

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Track record of leading and developing high-performing teams

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Experience working closely with Product, Engineering, and data-driven teams is strongly preferred

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.

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