Software Engineer II, Backend; Credit Decisioning

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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 Credit Decisioning team is essential to every transaction at affirm, providing scalable underwriting decisions for integrated point-of-sale (POS) merchants and wallet platforms across the US, Canada, and the UK. This specific role is within the Credit Expansion sub‑team, which focuses on responsibly increasing access to credit while ensuring consistent decision‑making for our users. A key part of this team's work involves developing new underwriting features and products to support entry into new markets and partnerships.

Working closely with cross‑functional partners in Engineering, Risk, Analytics, Product, and Capital, this role offers a direct opportunity to work on launches that have a significant business impact.

• Break larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery.
• Collaborate with product management, design, and analytics to participate in ideation, articulate technical constraints, and partner on decisions that consider risks and trade‑offs.
• Support the operations and availability of the team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting on‑call efforts.
• Engage in growth and development activities such as participation in the interview process, contributing to a sense of community.

• 1.5+ years of experience as a software engineer.
• Experience designing, developing and launching backend systems, proficient in one of Python or Kotlin.
• Familiarity with distributed systems, and technologies like AWS, MySQL, and Kubernetes.
• Strong ability to write clear, well‑tested, extensible code, turning business scenarios into solutions across multiple components.
• Comfort navigating large code bases, debugging, and providing constructive code review feedback.
• Ownership of growth: proactive feedback from team, manager, stakeholders.
• Strong verbal and written communication skills for effective collaboration with a global engineering team.
• Either equivalent practical experience or a Bachelor’s degree in a related field.

Benefits:

• Health care coverage – affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – generous stipends for 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.

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. Employees new to affirm typically come in at the start of the pay range.

The total compensation package may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). 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.

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

For U.S. positions that could be performed in Los Angeles or San Francisco, pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking “Submit Application,” you acknowledge that you have read affirm’s global candidate privacy notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.