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. This role is within the Credit Expansion sub‑team, which focuses on responsibly increasing access to credit while ensuring consistent decision‑making for our users. 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.
• Support peers and stakeholders throughout the product development lifecycle by collaborating with product management, design and analytics, articulating technical constraints, and partnering on decisions that properly consider risks and trade‑offs.
• Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and participating in “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 and proficiency in 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 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.
• Demonstrated ownership of your growth, proactively seeking feedback from team members, managers and stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our 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 come in at the start of the pay range. We focus on providing a simple and transparent pay structure based on location, experience and job‑related skills.

Base pay comprises 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).

• Time off – competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• Employee Stock Purchase Plan (ESPP) – an employee stock purchase plan allowing 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 anywhere within your country of employment. Certain proximate roles require occasional onsite presence at an assigned office.

• 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 and family‑forming expenses.
• Time off – competitive vacation and holiday schedules.
• ESPP – 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, we will consider qualified applicants with arrest and conviction records.

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