Software Engineer II, Backend; Credit Decisioning

Software Engineer II, Backend (Credit Decisioning)

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.

• Break down larger projects into individual tasks, deliver them in phases, and collaborate with the team to ensure timely delivery.
• Support product lifecycle by collaborating with product management, design and analytics, articulating technical constraints and partnering on risk‑trade‑off decisions.
• Maintain operations and availability of team 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 by engaging in growth and development activities, including 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 the building blocks of distributed systems and technologies such as AWS, MySQL, and Kubernetes.
• Ability to transform business scenarios into solutions that interact with multiple components, writing clear, well‑tested, and extensible code.
• Comfort navigating a large code base, debugging, and providing feedback through code reviews.
• Proactivity in growth, seeking feedback from team, manager, and stakeholders.
• Strong verbal and written communication skills that support effective collaboration with a global engineering team.
• Either equivalent practical experience or a Bachelor’s degree in a related field.

Base Pay Grade
: L
Equity Grade
: 6

Employees new to Affirm typically start at the beginning of the pay range. The pay structure is transparent and based on location, experience and job‑related skills.

Base pay ranges per year:
USA (CA, WA, NY, NJ, CT): $160,000 – $210,000
USA (all other states): $142,000 – $192,000

Benefits include equity rewards, monthly health, wellness and tech stipends, and 100% subsidized medical coverage, dental and vision for you and your dependents. Whether remote‑first or office‑based, our roles are designed for flexibility.

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We provide reasonable accommodations to candidates who need individualized support during the hiring process. For U.S. positions that could be performed in Los Angeles or San Francisco, we consider qualified applicants with arrest and conviction records under the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance.