Software Engineer II, Backend; Credit Decisioning

Software Engineer II, Backend (Credit Decisioning) at 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.

Senior level:
Mid‑Senior level,

Employment type:

Full‑time.

The Credit Decisioning team is essential to every transaction at Affim, providing scalable underwriting decisions for integrated point‑of‑sale (POS) merchants and wallet platforms across the US, Canada, and the UK. This role is within the Credit Expansion sub‑team which focuses on responsibly increasing access to credit while ensuring consistent decision‑making for our users.

• 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 & 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” & 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.

• 1.5+ years of experience as a software engineer.
• Experience designing, developing and launching backend systems and proficiency in Python or Kotlin.
• Familiarity with distributed systems and technologies such as AWS, MySQL and Kubernetes.
• Ability to translate simple problems or business scenarios into solutions that interact with multiple software components, writing clear, well‑tested and extensible code.
• Comfort navigating a large code base, debugging others’ code, and providing feedback through code reviews.
• Ownership of personal growth through proactive feedback from team, manager and stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.
• Either a Bachelor’s degree in a related field or equivalent practical experience.

Base Pay Grade: L
Equity Grade: 6

Employees new to Affim typically come in at the start of the pay range. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits.

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

• Health care coverage – Affim 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 Affim at a discount.

We 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.

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Affim 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. For certain proximal roles, you will occasionally be required to work out of an assigned Affim office.