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're looking for an outstanding team member to join Affirm’s Capital Markets team! Affirm Capital is responsible for raising the capital that funds our originations, a critical part of Affirm’s revenue strategy. As a Capital Markets Specialist, you will own a significant portion of the platform’s day-to-day capital activities, which drive Affirm’s ability to scale its consumer point-of-sale lending business globally. This is a complex role that is essential to the functioning of a consumer finance and payments platform. The ideal team member will have direct experience or a strong base of knowledge in structured debt finance or debt capital markets; strong technical and interpersonal skills; and the desire to work closely with both internal and external stakeholders.
What You'll Do:
- Manage and execute the Capital Markets team’s operational work streams, which requires frequent collaboration with numerous internal and external counterparts
- Actively work on Affirm’s existing and prospective capital transactions including; asset-backed securities (‘ABS’), whole loan sales (‘forward flow’), warehouse / debt financing structures and international funding facilities (Canada, UK and beyond)!
- You will assist in structuring, negotiating, and executing our transactions with the goal of growing into a deal leadership role over time
- Take charge of communication with Engineering, Product, Commercial, and Credit/Risk teams to drive scale for Affirm’s capital platform and funding strategy
- Build and manage relationships with existing and potential investors
- Develop a strong understanding of Affirm’s business from a unique perspective and learn how Capital Markets fits into broader corporate initiatives
What We Look For:
- 1-3 years in structured finance, private credit, debt capital markets, investment banking, fixed income sales & trading, or another credit-oriented role
- Financial modelling and transaction management experience, along with an understanding of fixed income principles
- Exceptional communication skills and ability to manage relationships with internal and external stakeholders
- Experience with SQL or Python
- High level of humility, accountability and a strong desire to learn and grow
- Excellent analytical skills and attention to detail
- Clear alignment with Affirm’s core values
Base Pay Grade - H
Equity Grade - 2
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. For capital roles, the range provided is the role’s On Target Earnings ("OTE") range, which includes the annual base pay and the incentive target.
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 OTE (CA, WA, NY, NJ, CT): $125,000 - $175,000
USA Sapphire OTE (all other U.S. states): $110,000 - $160,000
#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.
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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; 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
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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.
