Software Engineer II, Backend; Credit Decisioning

Software Engineer II, Backend (Credit Decisioning)

Apply for the Software Engineer II, Backend (Credit Decisioning) role at affirm.

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, focused 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.
• Collaborate with product management, design, and analytics throughout the product development lifecycle, articulating technical constraints and partnering on decisions that consider risks and trade‑offs.
• Support the operations and availability of team artifacts by creating and monitoring metrics, escalating when needed, and participating in on‑call activities.
• Engage in 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 distributed systems and technologies such as AWS, MySQL, and Kubernetes.
• Ability to translate business scenarios into well‑tested, extensible code.
• Comfort navigating large codebases, debugging others’ code, and providing constructive code‑review feedback.
• Proactive ownership of personal growth, seeking feedback from peers, managers, and stakeholders.
• Strong verbal and written communication skills for 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.

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.

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).

• Health care coverage – company 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.
• ESPP – employee stock purchase plan enabling you to buy shares of affirm at a discount.

Affirm is proud to be a remote‑first company. The majority of roles are remote and can be worked from anywhere within the country of employment, with occasional visits to assigned office locations.

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. 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.