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

Affirm; United States; Remote; USD 173,000 - 255,000; Full time

Benefits offered by this job

Remote-first culture

100% paid health coverage

Stock purchase plan (ESPP)

Tech stipends

Job summary

Affim is seeking a Senior Software Engineer, Backend (Card Ledger & Money Movement) to own backend systems for money movement, bank data and merchant data. You will help build a scalable, extensible platform powering Affim Card and its buy now pay later features.

You will collaborate with product, data science and other engineering teams to design robust solutions, write high quality code and drive delivery with measurable impact.

Qualifications

• 4+ years designing, developing and launching backend systems at scale.
• Experience with AWS, MySQL and Kubernetes.
• Ability to define a technical plan for large features with extensible design.
• Ability to make significant changes in a large code base safely.
• Demonstrated ownership and proactive growth through feedback.
• Strong verbal and written communication for global teams.

Responsibilities

• Own and deliver quarterly goals for the team, guiding engineers through ambiguity.
• Collaborate with product, design and analytics to define constraints and risks.
• Identify and lead resolution of project, process or technology issues.
• Maintain operations and availability of team artifacts with metrics and on-call support.
• Raise quality and ownership by shaping code review and design standards.
• Develop talent by providing feedback and leading by example.

Skills

Python

Kotlin

Distributed systems

Backend design

Education

Bachelor’s degree or equivalent

Tools

AWS

MySQL

Kubernetes

Job description

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

Remote US

At Affim, we exist for the moments that matter—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. Affim Card is Affim’s newest financial product that marries the functionality of a debit card with access to Affim'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.

Affim 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 Affim typically come in at the start of the pay range. Affim 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 inAffim 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 Affim 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 youOur benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• 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 Affim 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: Affim considers qualified applicants with arrest and conviction records, as required by law.

Demographic Survey Statement (US-based roles)

Affim is dedicated to building an inclusive culture where Affimers belong and have an equal opportunity to thrive.

To help us assess our outreach efforts, we invite candidates to voluntarily share information through a short demographic survey. This information is:

• Completely optional


• Anonymized and stored in aggregate


• Not accessible to recruiters or hiring managers at the individual level


• Never used in any hiring decision

Your decision to provide or withhold this information will not impact your candidacy in any way.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Affim’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.