Senior Software Engineer, Backend (Loan Origination and Reporting)

Affirm, Inc.; Northern (KY); Hybrid; USD 173,000 - 233,000; Full time

Benefits offered by this job

Health coverage 100%

Tech spending stipends

Generous time off

Job summary

Affirm, Inc. is seeking a Senior Software Engineer, Backend for Loan Origination and Reporting. This remote US role focuses on building scalable data platforms processing real-time loan originations and delivering accurate reporting to partners.

You will own quarterly goals, lead engineers, and collaborate with product, design, and analytics. Strong ownership, excellent coding discipline, and experience with Spark/Airflow and AWS are essential.

Qualifications

• 4+ years building backend systems at scale (Python or Kotlin).
• Experience with AWS, MySQL and Kubernetes.
• Expertise in scalable data pipelines (Spark, Airflow).
• Designs for simple, extensible components with high quality code.
• Strong ownership and growth mindset.

Responsibilities

• Own and deliver quarterly team goals.
• Lead engineers through ambiguity to solve problems.
• Collaborate with product, design and analytics stakeholders.
• Identify issues and lead in solving them.
• Maintain metrics and on-call support for services.
• Promote code quality and design standards across the team.
• Mentor teammates and lead by example.

Skills

Backend design

Distributed systems

Python/Kotlin

AWS

MySQL

Kubernetes

Education

Bachelor’s degree or equivalent practical experience

Tools

Spark

Airflow

AWS

MySQL

Kubernetes

Job description

Senior Software Engineer, Backend (Loan Origination and Reporting)

Remote US

At affirm, 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 Engineering team builds systems that power affirm’s mission. We take pride in our craft, building reliable, performant, and scalable solutions that touch every part of the business. Whether we’re enabling new ways to pay, ensuring our platforms can scale to the most demanding levels in the industry, or developing seamless servicing experiences, our focus is on solving complex problems through exceptional engineering.

About the role

As a Senior Software Engineer on Loan Origination and Reporting, you’ll build and scale the data platforms and services that process loan originations in real time and deliver accurate reporting to affirm and its financial partners, strengthening the core financial engine behind transparent, reliable ways to pay over time.

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 deep expertise in designing and operating scalable backend data pipelines and batch processing systems using Spark, Airflow, or similar distributed frameworks.

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- 9

Employees new to affirm 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 base pay range (CA, WA, NY, NJ, CT) per year: $195,000 - $255,000
USA base pay range (all other U.S. states) per year: $173,000 - $233,000

Remote-first with flexibility built inaffirm 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 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 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: affirm considers qualified applicants with arrest and conviction records, as required by law.

Demographic Survey Statement (US-based roles)

Affirm is dedicated to building an inclusive culture where affirmers 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