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 International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes.

As Regulatory Compliance Manager, Australia, you will lead the Australian regulatory compliance program. You will translate global compliance strategy into local execution, ensure applicable Australian regulatory and licensing obligations are met, and support responsible growth and strong consumer outcomes.

What You'll Do

Australian Regulatory Program Ownership

• Own and oversee the Australian regulatory compliance framework for consumer credit and related financial services, including the National Consumer Credit Protection Act, National Credit Code, Privacy Act,, applicable licence conditions, and associated regulatory guidance.
• Maintain documented compliance arrangements that support Australian credit licence obligations and keep pace with regulatory change, including the rules applying to buy now pay later (low cost credit contracts) and consumer credit.
• Lead ASIC examinations, inquiries, information requests, licence interactions, and other supervisory engagement.
• Oversee timely and accurate regulatory notifications and reporting, including reportable situations, internal dispute resolution data, licence updates, and other applicable filings.

Risk Management & Controls

• Maintain the Australian regulatory obligations register and compliance risk assessment process, with clear ownership, controls, monitoring, and evidence.
• Set remediation priorities and oversee root-cause analysis, corrective actions, consumer remediation, and sustainable control improvements
• Monitor compliance metrics and risk indicators across responsible lending, product governance, complaints, hardship, collections, disclosures, marketing, and consumer outcomes.
• Assess incidents and breaches, oversee reportability decisions, and escalate material regulatory risks through local and global governance channels.

People Leadership

• Manage, coach, and develop a junior compliance professionals
• Set performance objectives aligned to global compliance priorities
• Allocate resources and manage workload across the function
• Drive accountability and performance management

Governance & Strategy Execution

• Translate global compliance strategy into Australian operational plans that reflect local laws, licence conditions, ASIC guidance, and regulatory priorities
• Prepare reporting for executive leadership and risk governance committees
• Own the regulatory change process from horizon scanning and impact assessment through implementation, assurance, and evidence of compliance
• Assess governance structures and recommend enhancements where needed

Cross-Functional Partnership

• Partner with Product, Legal, Credit, Marketing, Servicing and Operations, Privacy, Analytics and Engineering teams
• Provide practical regulatory guidance and challenge for new products and business initiatives, including licensing, responsible lending, product design and distribution, disclosures, complaints, hardship, collections, privacy, and advertising
• Influence complex compliance decisions affecting Australian strategy, customer journeys, product governance, and consumer outcomes

Scope & Impact

• Manages a compliance team within Australia
• Accountable for execution and continuous improvement of the Australian regulatory compliance program
• Exercises discretion in operational planning and resource allocation
• Decisions affect Australian licensing, regulatory posture, product and conduct risk, and consumer outcomes
• Impact horizon typically up to one year

What We Look For

Experience:

• 8+ years of regulatory compliance experience in an Australian regulated financial services, consumer credit, payments, or fintech environment. Prior people management experience required.

Expertise:

• Strong working knowledge of Australian consumer credit and conduct regulation, ASIC expectations, Australian credit licensing, responsible lending, product governance, complaints and breach-reporting requirements. Ability to translate regulatory interpretation into practical business decisions.

Leadership Capability:

• Demonstrated experience managing teams, setting priorities, and driving program execution.

Technical Skills:

• Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, complaints oversight, regulatory reporting, and remediation programs.

Attributes:

• Strong judgment and decision-making capability
• Ability to influence senior stakeholders
• Clear and concise executive communication skills
• Ability to operate effectively in a fast-paced fintech environment

Education:

• Bachelor's degree required; relevant legal, compliance, risk, governance, or financial services qualification preferred.

Base Pay Grade - L

Equity Grade - Australia 5

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

AUD base pay range per year: $135,000 - $205,000

#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.

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