Software Engineer II, Backend; Identity Decisioning

Software Engineer II, Backend (Identity Decisioning)

Software Engineer II, Backend (Identity Decisioning) – Richmond, VA

Affirm is reinventing credit to make it more honest and friendly. The company offers consumers the flexibility to buy now and pay later without hidden fees or compounding interest.

Identity Engineering owns the systems that onboard consumers and manage their authentication and verification journeys across all of Affirms’ product surfaces. In this role, you’ll develop high‑availability, low‑latency systems on critical paths, deep‑ly understand the business and product context, and collaborate across teams to deliver reliable solutions.

• Break down larger projects into smaller tasks, deliver them in multiple phases, and collaborate with teammates to ensure timely delivery.
• Support peers and stakeholders through collaboration with product management, design, and analytics by participating in ideation, articulating technical constraints, and partnering on risk‑aware decisions.
• Maintain operations and availability of team artifacts by creating and monitoring metrics, escalating issues, and supporting on‑call duties.
• Contribute to team culture through growth and development activities, including participation in the interview process.

• 1.5+ years of experience as a software engineer.
• Experience designing, developing, and launching backend systems; proficiency in Python or Kotlin.
• Familiarity with the building blocks of distributed systems and technologies such as AWS, MySQL, and Kubernetes.
• Ability to transform a business scenario into a solution that interacts with multiple software components, producing clear, well‑tested, extensible code.
• Comfort navigating a large code base, debugging others’ code, and providing constructive code‑review feedback.
• Ownership mindset, proactively seeking feedback from teammates, managers, and stakeholders.
• Strong verbal and written communication skills that support effective collaboration with a global engineering team.
• Position requires either equivalent practical experience or a bachelor’s degree in a related field.

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 that cover 100 % subsidized medical, dental, and vision for employees and 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.

Affirm is a remote‑first company. Most roles are remote and can be worked from anywhere within the U.S. A limited number of roles may require occasional in‑office presence.

• Health care coverage – full premium coverage for all levels of coverage for employees and dependents.
• Flexible Spending Wallets – generous stipends for technology, food, lifestyle needs, and family‑forming expenses.
• Time off – competitive vacation and holiday schedules.
• ESPP – an employee stock purchase plan allowing employees to buy shares of Affirms at a discount.

We believe it’s on us to provide an inclusive interview experience for all, including people with disabilities. We 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, Affirms will consider qualified applicants with arrest and conviction records.

By clicking “Submit Application,” you acknowledge that you have read Affirms Global Candidate Privacy Notice and hereby give informed consent to the collection, processing, use, and storage of your personal information as described therein.