Software Engineer II, Back-end (Card Mgmt & Transaction Processing)

About the role

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 Affirm Card is one of the company’s fastest-growing products and an increasingly significant contributor to overall platform GMV. Our team builds and operates the systems behind every card issued at Affirm and every transaction processed across Affirm’s card products, including the Affirm Card and one-time virtual cards. We own the core issuing and processing infrastructure powering authorization, transaction processing, account and card lifecycle management, tokenization, and platform security.

As Affirm continues to expand its card offerings, the scale, complexity, and reliability requirements of our systems continue to grow. You will work on systems that sit directly on the critical path of every card transaction, collaborating closely with product and cross-functional partner teams. This is a unique opportunity to help shape some of Affirm’s most strategic and fastest-growing products while solving complex engineering challenges at scale.

Responsibilities

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

Requirements

• 1.5+ years of experience as a software engineer.
• Experience designing, developing, and launching backend systems; proficiency in Python or Kotlin.
• Familiarity with the building blocks of distributed systems and technologies like AWS, MySQL, and Kubernetes.
• Ability to take a simple problem or business scenario and turn it into a solution that interacts with multiple software components, executing on it by writing clear, well-tested, and extensible code.
• Comfort navigating a large codebase, debugging others' code, and providing feedback through code reviews.
• Demonstrated ownership of your growth, proactively seeking feedback from your team, manager, and stakeholders.
• Strong verbal and written communication skills for effective collaboration with a global engineering team.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness, and tech spending, and benefits. Employees new to Affirm typically start at the beginning of the pay range. Affirm’s pay structure is simple and transparent, based on factors including location, experience, and job-related skills.

• USA base pay range (CA, WA, NY, NJ, CT) per year: $165,000 - $225,000
• USA base pay range (all other U.S. states) per year: $146,000 - $206,000

Schedule

Affirm is proud to be a 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 may 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: 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 take time off to rest and recharge.
• ESPP: An employee stock purchase plan enabling you to buy shares of Affirm at a discount.