Software Engineer II, Backend; Merchant Advocacy

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 Merchant & Partner Lifecycle (M&PL) team is at the forefront of our architectural transformation. We are addressing critical architectural risks by consolidating merchant lifecycle orchestration into a newly cohesive domain.

You will act as a technical leader building out the brand new lifecycle‑orchestrator service that’s at the heart of multiple connected systems. Your work will deliver immediate availability improvements through system simplification and isolation, and modernize older parts of the codebase.

• Design & expand the backbone of our platform to scale to hundreds of thousands of merchants from all around the world
• Design and align the scope of work with other teams to deliver cross‑team projects
• Partner with Engineering Manager and Team Lead to execute the long‑term vision of the team
• Execute technical strategy for broad or complex requirements with insightful and forward‑looking approaches that go beyond the direct team and solve large open‑ended problems
• Utilize agentic development tools like Claude Code to automate parts of the development process
• Improve engineering standards, tooling, and processes throughout the organization

• 3+ years of experience as a backend software engineer
• Familiarity with Domain‑Driven Design, distributed systems, and how architectural decisions affect performance and maintainability
• Experience with concepts such as data models, API design (HTTP and RPC), state machines, event‑driven architecture, and database design
• Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication – written tech specs, ADRs, project plans, etc.
• Experience designing, developing, and launching backend systems (our stack: AWS, gRPC, Snowflake, Kotlin, Python, MySQL, Kubernetes). Java and Kotlin experience are especially helpful.
• Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana)
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Employees new to the organization typically come in at the start of the pay range. The base pay is part of a total compensation package that 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

• 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

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first.

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. Affirms in proximal roles have the flexibility to work remotely, but may occasionally be required to work out of their assigned affirm office. A limited number of roles remain office‑based due to the nature of their job responsibilities.

We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

By law, affirm will consider qualified applicants with arrest and conviction records for 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.