Backend Software Engineer

About Affirm

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 Credit Decisioning team is essential to every transaction at Affirm, providing scalable underwriting decisions for integrated point-of-sale (POS) merchants and wallet platforms across the US, Canada, and the UK. This specific role is within the Credit Core sub-team, which focuses on building the foundations and credit levers for scaling our underwriting and providing responsible access to credit. A key part of this team's work involves developing new underwriting features and products to expand Affirm's product offerings and enable sustainable growth. Working closely with cross-functional partners in Engineering, ML, Risk, Analytics, Product, and Capital, this role offers a direct opportunity to work on launches that have a significant business impact.

What You'll Do

• With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
• You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
• You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
• You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.

What We Look For

• You have a total of 1.5+ years of experience as a software engineer.
• You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin.
• You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.
• You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• You have strong verbal and written communication skills that support effective collaboration with our global engineering team.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Compensation and Benefits

• Base Pay Grade - L, Equity Grade - 6.
• 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.
• USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000
• USA base pay range (all other U.S. states) per year: $142,000 - $192,000
• Affirm is proud to be an 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.
• Benefits: Health care coverage, Flexible Spending Wallets, Time off, ESPP.
• Affirm covers all premiums for all levels of coverage for you and your dependents.

Key skills/competency

• Backend Development
• Python OR Kotlin
• Distributed Systems
• AWS
• Kubernetes
• MySQL
• System Design
• Code Review
• Problem Solving
• Collaboration