Affirm: Delivering Honest Financial Products

Today’s shoppers are more averse than ever to traditional credit—due to decades of compounding interest, hidden fees, and unclear terms. At Affirm, we’re reinventing credit to make it more honest and friendly.

Great for Customers

We give customers the flexibility to pay over time for their most important purchases, on a schedule that fits their budget. Affirm financing is quick, simple, and transparent—there are no gimmicks like deferred interest, compounding interest, or late fees, so what shoppers see at checkout is exactly what they’ll pay.

Great for Businesses

We stick to the same principles of honesty and simplicity with both consumers and our retail partners. Our integration is seamless, and we provide dedicated support to help you make the most our our partnership. We want to make it as easy as possible for you to realize the “Affirm boost”—increased AOV, conversion, and customer loyalty.

Leadership

Max Levchin

Founder & CEO

Libor Michalek

President, Technology

Jack Chou

Chief Product Officer

Sandeep Bhandari

Chief Strategy Officer and Chief Risk Officer

Rob Pfeifer

Chief Revenue Officer

Manny Alvarez

General Counsel and Chief Compliance Officer

Jeremy Solomon

‎Chief Capital Officer

Elizabeth Allin

‎Vice President of Communications

Jackson Gates

‎Vice President of Strategic Partnerships

Board of Directors

Keith Rabois Investment partner, Khosla Ventures
Jeremy Liew Partner, Lightspeed Venture Partners
Jeremy Philips General Partner, Spark Capital
Brian Singerman Partner, The Founders Fund

A Mission Backed by the Most Notable Names in the Industry

We’re backed by some of today’s most notable tech investors:

Max Levchin

Founder & CEO

Max Levchin is the Founder & CEO of Affirm, a financial services technology company, co-founder and Chairman of Glow, a data-driven fertility company, and co-founder and general partner at SciFi VC, a private venture capital firm. All three companies were created and launched from his San Francisco based innovation lab, HVF (Hard, Valuable, Fun).

Max was one of the original co-founders of PayPal where he served as the CTO until its acquisition by Ebay in 2002.

In 2002, he was named to the Technology Review TR100 as one of the top 100 innovators in the world as well as Innovator of the Year.

In 2004, he founded Slide, a personal media-sharing service for social networking sites such as MySpace and Facebook, which he sold to Google in August 2010. Also in 2004, he helped start Yelp, where he was the first investor in and Chairman of the Board from 2004 until 2015. He has served on several boards such as Yahoo!, Yelp, and Evernote.

Max is a serial entrepreneur, computer scientist, philanthropist and active investor in more than 100 startups.

Libor Michalek

President, Technology

Libor is the President, Technology at Affirm, where he is responsible for all technology strategy and development for the company's financial platform & products.

Prior to joining Affirm, Libor was an Engineering Director at YouTube responsible for Application Infrastructure & Site Reliability Engineering across multiple sites. Libor led engineering teams through the migration of YouTube's Python & MySQL infrastructure into Google's private cloud, the shift to a daily release schedule, building of systems to handle Abuse, Fraud, Security, and Support Engineering, all while maintaining a 99.97% uptime target. During this tenure, YouTube tripled in page views, hours of video watched, and revenue.

Before YouTube, Libor served as CTO of Slide, Inc. through its acquisition by Google in 2010, where he was responsible for all technology and development for the company's virtual communities and social entertainment applications. Libor also served in software architecture and management positions at Topspin (bought by Cisco in 2005), Egroups.com (bought by Yahoo!), Talarian (bought by Tibco), Thinking Machines Corporation, and the National Center for Supercomputing Applications.

Libor holds a B.S. in Computer Science from the University of Illinois at Urbana-Champaign, where he and Affirm CEO Max Levchin were classmates. In his free time, Libor enjoys skiing and hiking.

Jack Chou

Chief Product Officer

Jack Chou is the Chief Product Officer at Affirm, where he is responsible for driving the company’s product direction while implementing Affirm’s mission to build honest financial products that improve lives.

Prior to joining Affirm, Jack was the Head of Product at Pinterest where he led the PM, Growth, Analytics, and International teams that built and grew Pinterest to hundreds of millions of users around the globe. Before Pinterest, Jack led the Product team for the Marketing Solutions business at LinkedIn, which was one of LinkedIn’s three revenue lines at the time. He was also one of the first Monetization PM’s at LinkedIn and was responsible for product and general management of LinkedIn Ads, including building the team and product, and then growing it from $0 to a key business for LinkedIn. Jack has nearly 15 years of experience under his belt and began his career at Oracle and later joined Google, he held Product roles at both companies.

Jack holds a B.S., from Stanford University where he majored in Computer Systems Engineering.

Sandeep Bhandari

Chief Strategy Officer and Chief Risk Officer

Sandeep is the Chief Strategy Officer and Chief Risk Officer at Affirm. In his role, Sandeep is responsible for the overall credit and fraud risk management at Affirm, and for helping the company expand it's lending offerings.

Prior to Affirm, Sandeep was the Chief Credit Officer for Lending Club, where he helped the company strengthen its decisioning algorithms and pricing policies; introduce new product features and onboard diverse investors to the platform.

Sandeep spent over 15 years at Capital One, where he was the Assistant Chief Credit Officer for Auto and Home Lending and a partner at Capital One Growth Ventures. Sandeep also held a variety of roles in strategy development, credit risk management, marketing, product development, and underwriting across consumer credit cards and small business cards.

Sandeep holds a B.Tech in Mechanical Engineering from the Indian Institute of Technology in Delhi and an MBA from the Indian Institute of Management in Ahmedabad.

Rob Pfeifer

Chief Revenue Officer

Rob is the Chief Revenue Officer for Affirm, where he leads the Sales, Marketing, Business Development, Analytics, Customer Success and New Businesses.

With nearly 15 years of experience, Rob was previously the Chief Risk Officer for Affirm, where he led the Data Science, Risk & Analytics Team. In addition, Rob was also the VP of FP&A. Prior to joining Affirm, Rob was at Chegg.com where he worked on marketing analytics and forecasting their Textbook & Digital Services businesses. Rob began his career in financial services at UBS Investment Bank, focused on corporate finance and M&A in the technology group, followed by JMI Equity.

Rob holds a B.A from Stanford University where he majored in Economics and Philosophy & Religion.

Manny Alvarez

General Counsel and Chief Compliance Officer

Manny Alvarez is General Counsel and Chief Compliance Officer at Affirm, where he oversees and manages Affirm’s legal and regulatory compliance efforts.

Manny has dedicated his career to protecting consumers from harmful practices, previously serving as an Enforcement Attorney with the Consumer Financial Protection Bureau (CFPB), investigating the civilly prosecuted violations of federal consumer financial law. Manny joined CFPB from the California Attorney General’s Office, Consumer Law Section, where he prosecuted violations of unfair competition, false advertising and other consumer protection laws.

He also serves as a volunteer board member of the Barristers Club of the San Francisco Bar Association and the San Francisco La Raza Lawyers Association. Manny holds a JD from UC Hastings College of the Law and a BA from Cornell University.

Jeremy Solomon

‎Chief Capital Officer

Jeremy Solomon is the Chief Capital Officer at Affirm, where he leads the company's financial strategy, planning and reporting. Jeremy has over a decade in experience in the financial services industry through advisory, investing, strategy and operating roles. Prior to Affirm, Jeremy was Senior Director of Financial Products at Lending Club. Jeremy previously was Director of Capital Markets at SoFi, where he executed its initial warehouse and securitization financing. He began his career in Lehman Brothers' Financial Institutions Group.

Jeremy holds an MBA from Harvard Business School and a BS from Indiana University, where he was a Kelley Scholar.

Elizabeth Allin

‎Vice President of Communications

Elizabeth Allin is Vice President of Communications at Affirm. She oversees communications efforts across the company, including corporate and financial, policy, and employee communications, consumer brand communications, retail PR, executive visibility and social media. Her team provides support across business functions to help Affirm tell its story and engage consumers, retail partners, investors and stakeholders consistently.

Elizabeth joined Affirm in 2017, bringing over thirteen years of experience growing and leading integrated communications strategies and teams. She has worked across communications disciplines including public affairs, financial communications, digital and social media strategy, and as an on-the-record spokesperson. She also has financial services and fintech subject matter expertise, having worked with capital markets as well as enterprise and consumer financial technology companies in Washington, DC, New York, and Silicon Valley.

Prior to coming to Affirm, Elizabeth was a Vice President at Edelman, a leading global marketing communications agency. In her three years at Edelman, she worked in the Financial Services sector supporting a variety of clients including venture capital firms, fast-growing startups and established financial institutions. Elizabeth also helped develop and launch Edelman’s fintech capabilities in the U.S., serving as a subject matter expert and leading integrated account teams as well as U.S. new business. Her experience included launching a new, digital consumer bank focused on savings, growing the reputation of the venture capital and innovation team at a global bank, bringing a new cryptocurrency to market, and developing employee engagement strategies for a leading global payments company.

Elizabeth’s past experience includes serving as Communications Director at Gen Next, a global organization that unites top CEOs around political and social impact initiatives. In that capacity, she designed and grew Gen Next’s communications and marketing strategies including digital, thought leadership, and crisis communications. She helped raise Gen Next’s brand presence through earned media around partnerships with organizations like Google Ideas and the White House. She spent nearly nine years in Washington, DC, where she consulted on corporate communications, digital and brand strategies and public affairs with a variety of companies and NGOs and served as Managing Director of a strategic communications consultancy founded by a former White House Press Secretary.

She is a graduate of Duke University, where she studied Public Policy. Elizabeth is actively involved with several community organizations including the San Francisco Symphony and The Last Mile, the first-ever computer training program in U.S. prisons that helps incarcerated men and women prepare for high quality employment in tech, breaking the cycle of incarceration. She lives in San Francisco with her husband and enjoys cooking, wine tasting, and Duke basketball.

Jackson Gates

‎Vice President of Strategic Partnerships

Jackson Gates is the Vice President of Strategic Partnerships at Affirm and leads the teams responsible for corporate development and strategic partnerships with banks, credit bureaus, payments companies and other core stack product partners.

Prior to Affirm Jackson was the CEO and Co-founder of Sweep, a forward-looking, mobile finance application that helped consumers predict and manage their cash flows. He joined Affirm following the company’s acquisition of Sweep Inc. in the Spring of 2016.

Over the past 20+ years, Jackson has been involved in technology startups at all levels including CEO, founder, EIR, advisor, executive and investor. As an operator Jackson served as VP of Business Development & Corporate Development at Pandora and VP of Business Development at Edmodo. As an investor, Jackson funded early-stage technology companies as a part of the investment teams at Vulcan Capital and Tenaya Capital. And as an entrepreneur he co-founded Sweep and spent time as an EIR at Venrock.

He received his MBA from Stanford and his bachelor's degree from Georgetown University.

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