Software Engineer II, Back-end (Card Mgmt & Transaction Processing)

Affirm; United States; Remote; USD 146,000 - 225,000; Full time

Benefits offered by this job

Health insurance

Flexible Spending Wallets

Paid time off

ESPP

Job summary

Affirm is building the core infrastructure behind card transactions and issuing systems, enabling fast, reliable payments with transparency.

You will design, develop, and deploy backend services in Python or Kotlin, collaborating across product and data teams to deliver robust, scalable solutions.

Qualifications

• 1.5+ years of software engineering experience.
• Backend design, development and deployment in Python or Kotlin.
• Experience with distributed systems and AWS, MySQL, Kubernetes.
• Ability to create well-tested, extensible code.
• Comfort navigating large codebases and conducting code reviews.
• Proactive growth mindset and strong communication.

Responsibilities

• Break down large projects into tasks and deliver in phases.
• Collaborate with product, design and analytics in ideation and decisions.
• Support operations and availability of team artifacts and on-call efforts.
• Contribute to team growth and participate in interview processes.

Skills

Backend experience

Python/Kotlin

Distributed systems

AWS

MySQL

Kubernetes

Code reviews

Ownership

Communication

Education

Bachelor's degree or equivalent

Job description

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 affirm card is one of the company’s fastest-growing products and an increasingly significant contributor to overall platform GMV. Our team builds and operates the systems behind every card issued at affirm and every transaction processed across affirm’s card products, including the affirm card and one-time virtual cards. We own the core issuing and processing infrastructure powering authorization, transaction processing, account and card lifecycle management, tokenization, and platform security.

As affirm continues to expand its card offerings, the scale, complexity, and reliability requirements of our systems continue to grow. You will work on systems that sit directly on the critical path of every card transaction, collaborating closely with product and cross-functional partner teams. This is a unique opportunity to help shape some of affirm’s most strategic and fastest-growing products while solving complex engineering challenges at scale.

What You’ll Do

• With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work
• 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 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 contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.

What We Look For

• You have a total of 1.5+ years of experience as a software engineer.
• You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin.
• You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.
• You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
• You are comfortable navigating a large code base, debugging others’ code, and providing feedback to other engineers through code reviews.
• 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 - L

Equity Grade - 6

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:165,000-225,000

USA base pay range (all other U.S. states) per year:146,000-206,000

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• 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.