Software Engineer II, Backend (Decisions Orchestration)

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

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.

Your role will be instrumental in designing the next generation of Affirm’s Checkout Platform to provide a world-class buying experience that puts customers first!

We are seeking a Backend Software Engineer to build out financial products and features providing new levels of accessibility and flexibility to our users. You will work in a fast-paced team environment, designing and implementing new API’s and microservice interfaces to manage every users’ transaction with Affirm. You will also use your technical skillset to find opportunities to improve the performance and reliability of the systems that drive the user journey through purchasing with Affirm.

Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride!

What you'll do

• Work with technical leaders in the team to design and implement insightful forward-looking approaches that go beyond the direct team and solve large open-ended problems
• Actively own components of checkout systems and define their long-term health, while also improving the health of surrounding systems
• Collaborate with engineers within our team and across the organization to build the next generation of the checkout platform
• Learn and improve engineering standards, tooling, and processes across the checkout platform

What we look for

• Take Ownership. You enjoy working with product and engineering leaders to develop detailed project definitions, and drive technical decisions within your team
• Execute. You have a proven track record of developing, testing, and shipping high-quality software at scale
• Collaborate. You communicate clearly both verbally and in writing. If anything, you trend towards over-communication
• Build Teams. You grow with engineers around you through sharing your learnings and providing feedback to your peers that will help the team grow
• Customer-centric mentality. You are empathetic to the user experience and thoughtful about what we can do to make it better

Tech You Will Use

• Python
• Kotlin
• RPC
• Redis
• MySQL
• AWS
• Github

Location

We’re excited to announce that Affirm is now a remote-first company! This role can be located anywhere in the U.S. and Canada (with the exception of Quebec). Remote based employees may occasionally travel to an Affirm office for meetings or team building events. Our offices in San Francisco, New York City, Pittsburgh, Chicago, and Salt Lake City will remain operational and accessible for anyone to use on a voluntary basis.

If you got to this point, we hope you're feeling excited about the job description you just read. Even if you don't feel that you meet every single requirement, we still encourage you to apply. We're eager to meet people that believe in Affirm's mission and can contribute to our team in a variety of ways – not just candidates who check all the boxes.

At Affirm, "People Come First" is a core value and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here.

We also believe “It’s On Us” to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

We will consider qualified applicants with arrest and conviction records in accordance with applicable federal, state and local laws, including the San Francisco Fair Chance Ordinance.

DOT NOT DELETE OR FILL OUT THE INFORMATION BELOW:
USA Pacific base pay range (CA, WA, NY, NJ, CT): $X - $X
[DELETE IF NOT APPLICABLE TO ROLE] USA Sapphire base pay range (all other U.S. states): $X - $X
[DELETE IF NOT APPLICABLE TO ROLE] USA Navy base pay range (all other U.S. states): $X - $X
The above for non-commission based roles or the below for commission based…
USA Pacific OTE (CA, WA, NY, NJ, CT): $X - $X
USA Sapphire OTE (all other U.S. states): $X - $X
[ONLY KEEP THIS IF WE DO NOT SPONSOR THE ROLE] Please note that visa sponsorship is not available for this position.
[REMOVE IF POSTING IS NOT REMOTE] LI-Remote

Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.