Software Engineer II, Backend Credit Decisioning

About Affirm and the Credit Decisioning Team

Affirm is revolutionizing credit with a focus on honesty and transparency, offering consumers flexible buy now, pay later options free from hidden fees or compounding interest.

The Credit Decisioning team is pivotal to every transaction at Affirm, providing scalable underwriting decisions for integrated point-of-sale merchants and wallet platforms across the US, Canada, and the UK.

This role is specifically within the Credit Core sub-team, which builds foundational credit levers to scale underwriting and ensure responsible access to credit. A key aspect of this team's work is developing new underwriting features and products to expand Affirm's offerings and drive sustainable growth.

Working closely with cross-functional partners in Engineering, ML, 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 Credit Decisioning

• 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.

Key Benefits and Perks at Affirm

Affirm is proud to be a remote-first company, offering flexibility to work almost anywhere within the country of employment. Our comprehensive benefits package is anchored in our 'people come first' value, including:

• Health care coverage: Affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets: Generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses.
• Time off: Competitive vacation and holiday schedules allowing you to rest and recharge.
• ESPP: An employee stock purchase plan enabling you to buy shares of Affirm at a discount.

Key skills/competency

• Backend Development
• Distributed Systems
• Python
• Kotlin
• AWS
• MySQL
• Kubernetes
• Underwriting Systems
• Credit Decisioning
• Cross-functional Collaboration