Senior Manager, Affirm Bank Operations Enablement

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

About The Operations Team The Operations team delivers seamless customer experiences and enables new product capabilities while ensuring operational excellence. The team owns strategy, planning, technical execution, customer service, fraud operations, process design, quality, training, and program management. We drive efficiency, resolve issues quickly, and scale operations as the business grows. Our goal is to deliver seamless support while maintaining high standards and reducing risk.

About The Role Affirm is building a de novo bank, and this role will help establish and scale its operating foundation. You will own the Finxact core and digital banking experience platforms, lead deposit and lending operations strategy, and partner with servicing teams to build resilient, well-controlled processes that deliver transparent, reliable financial products.

What You’ll Do

• Own the implementation, configuration, and ongoing administration of Finxact as the Bank’s core system of record, including product structures, rates and fees, transaction and posting rules, account parameters, general-ledger mappings, user entitlements, environments, and controlled production changes.

• Own the operational delivery and ongoing management of Savana and the Bank’s integrated digital account-opening, online and mobile banking experiences. Translate customer and operational needs into requirements; lead user-acceptance testing, release readiness, issue resolution, and continuous platform improvement.

• Lead operational launch readiness, including operating-model design, procedures, roles and responsibilities, staffing and training, end-to-end testing, mock processing days, cutover, go/no-go evidence, hypercare, and the transition to stable business-as-usual operations.

• Direct daily deposit operations, including balancing Federal Reserve activity to the Finxact ledger; reconciling new-account funding; approving outbound ACH and wire files under dual control; managing inclearing, returns, and exceptions; reviewing failed account boarding; monitoring zero-balance account aging; and overseeing dormancy, escheatment, account maintenance, holds, statements, transaction research, error investigations, dispute resolution, regulatory reporting, and fraud-investigation support.

• Direct lending operations by validating underwriting and eligibility results against Bank guidelines; approving or declining funding within delegated authority; creating and approving funding wires with appropriate segregation of duties; validating loan boarding and journal-entry bookings; and reconciling funding, settlement, daily loan activity, and exceptions.

• Oversee loan purchase and sale operations, including seasoning and eligibility validation, loan-tape and documentation quality control, approval and settlement, confirmation of funds received, accurate sold status and sold-date updates, boarding validation, and completion of purchase and sale audits.

• Build and maintain the Bank’s operational control environment in accordance with Bank-approved policies and independent governance. Own documented procedures, maker-checker controls, reconciliations, access reviews, exception aging, quality assurance, records and evidence, root-cause analysis, issue remediation, and audit and examination readiness; partner with Compliance on BSA/AML, OFAC, consumer-protection, privacy, funds-availability, payments, complaint, and other applicable requirements.

• Manage Bank oversight of affiliate-provided services and critical core, digital banking, payments, document, and operations vendors. Maintain Bank decision rights, data ownership, service levels, audit and remediation rights, and escalation paths; monitor performance, capacity, releases, incidents, and control reports; coordinate roo...