Senior Manager, Policy & Communications Campaigns

Affirm's model only works when consumers succeed. No late fees. The full cost, known before you commit. A balance that ends.

Many people don't know that. Pay-over-time products are treated as interchangeable, and the revolving credit card is treated as the responsible default. We want to change this dynamic and evolve thinking and beliefs around what consumer-friendly credit can and should be as it modernizes.

The timing is the opportunity. Credit is being rewritten right now, in regulation, in coverage, and in how people talk about debt. The beliefs that settle over the next few years will shape the decades that follow.