Software Engineer II, Backend; Identity Decisioning

Software Engineer II, Backend (Identity 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. Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across affirm’s product surfaces. In this role you will need to gain a deep understanding of the business, product and engineering context, and utilize that context to own and deliver high‑availability and low‑latency systems on the critical paths for all of our products.

• With the support of your team’s tech lead and manager, break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery.
• Support peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics, articulating technical constraints, and partnering 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 participating in “keep the lights on” & on‑call efforts.
• Contribute to a sense of community by engaging in growth and development activities such as participating in the interview process.

• 1.5+ years of experience as a software engineer.
• Experience designing, developing and launching backend systems, proficient in Python or Kotlin.
• Familiarity with building blocks of distributed systems and technologies such as AWS, MySQL, and Kubernetes.
• Proven ability to translate a simple problem or business scenario into a solution that interacts with multiple software components, writing clear, well‑tested, and extensible code.
• Comfort navigating a large code base, debugging others’ code, and providing constructive feedback through code reviews.
• Ownership mindset, proactively seeking feedback from team, manager, and stakeholders.
• Strong verbal and written communication skills that support 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.

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

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’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights:

• 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, 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 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.

[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.

Seniority Level: Mid‑Senior level.

Employment type:

Full‑time. Job function:
Engineering and Information Technology.