Director, Affirm Bank Internal Audit

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 Head of Internal Audit will report directly to the Bank’s Audit Committee and will serve as a critical member of the Bank's leadership team, responsible for establishing and leading the Internal Audit function for the Bank, an Industrial Loan Company (ILC) in organization. This role will oversee the design and execution of a risk-based internal audit program that provides independent assurance to the Board of Directors, Audit Committee, and senior management regarding the effectiveness of governance, risk management, and internal controls.

The Head of Internal Audit will develop the Bank’s audit infrastructure during the de novo phase and evolve it post-launch to align with FDIC and state regulatory expectations for the Bank’s deposits and lending sponsorship businesses. This leader will collaborate with all functional areas, including Risk, Compliance, Operations, and Finance, to ensure robust audit coverage, transparency, and continuous improvement.

The ideal candidate will combine strong technical audit expertise with practical, lending-sponsor bank insight, and the ability to build a best-in-class audit program from inception.

What You’ll Do

1. Internal Audit Program Development

Establish and maintain a comprehensive, risk-based internal audit program that aligns with the Bank’s strategy and regulatory requirements.

Develop the audit charter, policies, procedures, and methodology to ensure independence and objectivity.

Oversee the creation and execution of the annual audit plan based on risk assessments and changing business conditions.

Partner with Audit counterparts at Affirm to manage third and fourth party risk.

2. Audit Execution and Oversight

Lead and conduct audits across key functional areas

Evaluate the adequacy and effectiveness of internal controls, risk management,