Senior Software Engineer, Backend (Card Ledger & Money Movement)

Affirm; Boulder (CO); Remote; USD 173,000 - 233,000; Full time

Benefits offered by this job

Health coverage

ESPP

Time off

Stipends

Job summary

Affirm is seeking a Software Engineer for the Money Movement & Card Ledger team to build tools and systems for money movement, bank data integration, and merchant data. The role supports the Affirm Card product, combining debit functionality with BNPL financing.

You will partner with product, data science, and multiple engineering teams to create scalable, correct, and extensible solutions. We value strong cross-functional communication and a bias for delivering high-quality code.

Qualifications

• 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin.
• Track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design.
• You write high quality code that is easily understood and used by others.
• You take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Responsibilities

• Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems.
• Collaborate with product management, design & analytics to ideate, articulate constraints, and balance risks and trade-offs.
• Proactively identify project, process, technology or business issues and lead in solving them.
• Support operations and availability by creating metrics, escalating issues, and assisting on-call efforts.
• Help elevate code review and design standards across the team and beyond.
• Mentor teammates by providing feedback and leading by example.

Skills

Backend design

Distributed systems

Python/Kotlin

AWS

MySQL

Kubernetes

Code quality

Ownership

Communication

Education

Bachelor’s degree or equivalent

Tools

AWS

MySQL

Kubernetes

Job description

At Aff… what matters—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

The Money Movement & Card Ledger team is looking for a passionate Software Engineer to help build the tools and systems that we use to manage money movement, bank data integration & merchant data.  Affirm Card is Affir’s newest financial product that marries the functionality of a debit card with access to Affir’s buy now pay later financing options.  Our ability to move money effectively is critical to our ability to reach new customers and improve financial lives.  We work closely with experience, data science, product, and a wide range of engineering teams to both leverage existing systems and build new systems.

This role requires a high level of technical capability, strong cross functional communication, and a creative mindset. Our work needs to be correct, scalable, and extensible. Our job is to have an industry leading money movement system to empower our product.

Affirm is experiencing explosive growth with millions of customers across thousands of merchants in-store and online, and your contributions will be a key enabler of that growth. Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride!

What You’ll Do

• You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
• You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
• You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
• You will help develop talent on your team by providing feedback and guidance, and leading by example.

What We Look For

• You have 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin.
• You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
• You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
• Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• You have strong verbal and written communication skills that support effective collaboration with our global engineering team.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Base Pay Grade - N

Equity Grade - USA 9

Employees new to Affir’s typically come in at the start of the pay range.  Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

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 Pacific base pay range (CA, WA, NY, NJ, CT):

$195,000 - $255,000

USA Sapphire base pay range (all other U.S. states):

$173,000 - $233,000

Remote-first with flexibility built in

Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Benefits Designed For You

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirms considers qualified applicants with arrest and conviction records, as required by law.