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 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 down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
• Collaborate with product management, design, and analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade‑offs.
• Support the 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 on the 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 one of 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 into a solution that interacts with multiple software components, and execute it by writing clear, well‑tested and extensible code.
• Comfort navigating a large code base, debugging others’ code, and providing feedback through code reviews.
• Ownership of growth, proactively 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.

Equity Grade – 6

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 –
  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.

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. A limited number of roles remain office‑based due to the nature of their job responsibilities.

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.