Software Engineer II, Backend; Credit Decisioning

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 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. A key part of the team’s work involves developing new underwriting features and products to support entry into new markets and partnerships.

• 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 by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade‑offs.
• Support the operations and availability of team artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” and on‑call efforts.
• Engage in growth and development activities such as participation in the interview process to contribute to a sense of community on the team.

• 1.5+ years of experience as a software engineer.
• Experience designing, developing, and launching backend systems and proficiency in Python or Kotlin.
• Familiarity with building blocks of distributed systems, and technologies such as AWS, MySQL, and Kubernetes.
• Ability to take 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 feedback through code reviews.
• Ownership of growth and proactive seeking of feedback from team, manager, and stakeholders.
• Strong verbal and written communication skills supporting effective collaboration with a global engineering team.
• Equivalent practical experience or a Bachelor’s degree in a related field.

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).

• 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

• Health care coverage – affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – generous stipends for spending on technology, food, various 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.

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