Software Engineer II, Backend; Credit Decisioning

Software Engineer II, Backend (Credit Decisioning) at Affirm

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without 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 the 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.
• Support peers and stakeholders in the product development lifecycle by collaborating with product management, design, and analytics through ideation, articulating technical constraints, and partnering on decisions that consider risks and trade‑offs.
• Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and contributing to “keep the lights on” and on‑call efforts.
• Contribute to a sense of community on your 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; proficiency in either Python or Kotlin.
• Familiarity with the building blocks of distributed systems and technologies such as AWS, MySQL, and Kubernetes.
• A proven track‑record of taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, well‑tested, and extensible code.
• Comfort navigating a large code base, debugging others’ code, and providing feedback through code reviews.
• Proactive ownership of your growth, seeking feedback from team, manager and stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.
• Bachelor’s degree in a related field or equivalent practical experience.

Base pay ranges for this role (USA):

• CA, WA, NY, NJ, CT: $160,000 – $210,000 per year.
• All other U.S. states: $142,000 – $192,000 per year.

• Equity rewards as part of the total compensation package.
• Monthly stipends for health, wellness and tech spending.
• Benefits including fully subsidized medical coverage, dental and vision for you and your dependents.
• Competitive vacation and holiday schedules.
• Employee Stock Purchase Plan (ESPP).

Affirm is proud to be a remote‑first company. The majority of roles are remote within the country of employment; some may require occasional work out of an assigned office.

Affirm is committed to providing an inclusive interview experience and reasonable accommodations to candidates with disabilities.

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