Software Engineer II, Backend

About Affirm and the Credit Decisioning Team

Affirm is revolutionizing credit by making it more honest and consumer-friendly, offering flexible buy now, pay later options without hidden fees or compounding interest. The Credit Decisioning team is pivotal, enabling scalable underwriting decisions for point-of-sale (POS) merchants and wallet platforms across the US, Canada, and the UK. This role specifically supports the Credit Expansion sub-team, dedicated to responsibly broadening credit access and ensuring consistent user decision-making. A core focus includes developing new underwriting features and products to support market entry and partnerships.

Working closely with cross-functional partners in Engineering, Risk, Analytics, Product, and Capital, this position offers a direct opportunity to contribute to launches with significant business impact.

What You'll Do as a Software Engineer II, Backend

• With guidance from your team's tech lead and manager, you will decompose large projects into manageable tasks, deliver them in phases, and collaborate to ensure timely completion.
• You will support peers and stakeholders throughout the product development lifecycle by collaborating with product management, design, and analytics, participating in ideation, articulating technical constraints, and partnering on decisions that balance risks and trade-offs.
• You will ensure the operational health and availability of your team's outputs by creating and monitoring metrics, escalating issues as needed, and supporting maintenance and on-call efforts.
• You will foster team community by engaging in growth and development activities, including participation in the interview process.

What We Look For

• You have a total of 1.5+ years of experience as a software engineer.
• You possess experience designing, developing, and launching backend systems and are proficient in either Python or Kotlin.
• You are familiar with the fundamental components of distributed systems and technologies such as AWS, MySQL, and Kubernetes.
• You have a proven ability to translate simple problems or business scenarios into comprehensive solutions involving multiple software components, executing with clear, well-tested, and extensible code.
• You are adept at navigating large codebases, debugging others' code, and providing constructive feedback through code reviews.
• Your experience demonstrates a commitment to personal growth, actively seeking feedback from your team, manager, and stakeholders.
• You have strong verbal and written communication skills crucial for effective collaboration with our global engineering team.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Benefits at Affirm

Affirm offers competitive benefits designed with a 'people come first' philosophy:

• Health Care Coverage: All premiums for all levels of coverage for you and your dependents are fully covered by Affirm.
• Flexible Spending Wallets: Generous stipends are provided for Technology, Food, various Lifestyle needs, and family-forming expenses.
• Time Off: Competitive vacation and holiday schedules allow ample time for rest and rejuvenation.
• ESPP: An Employee Stock Purchase Plan enables you to acquire Affirm shares at a discount.

Affirm is a remote-first company, allowing most employees to work almost anywhere within their country of employment. For US positions, specific base pay ranges are provided:

• 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

New employees typically start at the lower end of the pay range. Affirm’s transparent pay structure is based on factors like location, experience, and job-related skills. Total compensation may also include equity rewards, monthly stipends for health, wellness, and tech, and comprehensive benefits.

Key skills/competency

• Backend Development
• Distributed Systems
• Python
• Kotlin
• AWS
• MySQL
• Kubernetes
• Code Review
• System Design
• Credit Decisioning