Software Engineer II, Fullstack (Capital Orchestration)

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

Benefits offered by this job

Flexible Spending Wallets for tech,食品?

Away Days - wellness days

Learning & Development programs

Parental benefits

Employee Resource & Community Groups

100% subsidized medical coverage, for您

Job summary

Affim is seeking a Software Engineer II, Fullstack for Capital Orchestration. This remote US role focuses on building a platform for transaction reconciliation and data pipelines, enabling liquidity and scalable operations.

You will collaborate with product, design and analytics to deliver robust software, optimize systems, and implement reliable on-call processes. The position offers competitive pay and comprehensive benefits, including equity and stipends.

Qualifications

• 1.5+ years of software engineer experience.
• Fluency in full stack web development, backend, event processing, or batch processing.
• Experience designing, launching, and maintaining products at scale.
• Strong cross-team communication and collaboration skills.
• Proficiency with agentic coding and building multi-component solutions.
• Able to navigate large codebases and conduct meaningful code reviews.
• Proactive in seeking feedback and owning personal growth.
• Excellent verbal and written communication for global teams.
• Proactive, organized, curious, self-starter.
• Bachelor’s degree or equivalent practical experience.

Responsibilities

• Build a foundational platform enabling reconciliation across systems, partners, and cash movements.
• Build and integrate data pipelines from a variety of products and systems.
• Create intuitive user experiences to streamline workflows.
• Develop a deep understanding of the capital systems powering Affim.
• Partner with engineers to improve designs, code quality, and testing.
• Collaborate with product managers and business counterparts to design best-in-class systems.
• Break down large projects into tasks and deliver in phases.
• Support stakeholders in ideation, constraints, and trade-offs.
• Monitor metrics and support on-call efforts to keep systems reliable.

Skills

Full stack web development

Back end development

Event processing

Batch processing

Cross-team collaboration

Code reviews

Ownership mindset

Strong communication

Education

Bachelor's degree in related field

Job description

Software Engineer II, Fullstack (Capital Orchestration)

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.

We are looking for a passionate engineer to join our Capital Orchestration team, which is responsible for providing liquidity to Affim by enabling the sale and collateralization of Affim loan assets. To achieve this, our team develops a robust and extensible platform for on-demand transactions with low operational risk that scales to billions of dollars of collateral movement each month. In simpler terms, we help ensure Affim has enough money to originate loans, pay merchants, and continue to grow.

What You'll Do

• Build a foundational platform enabling us to reconcile each transaction across systems, partners, and cash movements.
• Build and integrate data pipelines from a variety of products and systems.
• Build intuitive and thoughtful user experiences to streamline the workflows of our business counterparts.
• Develop a deep understanding of the capital systems which power and fund Affim.
• Partner with engineers on the team to help improve designs, code quality, and testing.
• Collaborate with product managers and business counterparts to design best-in-class systems and processes.
• 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

What We Look For

• You have a total of 1.5+ years of experience as a software engineer.
• Fluency in full stack web development, back end development, event processing, or batch processing.
• Experience in designing, building, launching, and maintaining products at scale.
• Strong cross-team communication and collaboration skills.
• Proficiency with agentic coding.
• 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.
• Someone who is proactive, organized, curious, and a self-starter.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - L

Equity Grade - 6

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 base pay range (CA, WA, NY, NJ, CT) per year: $ 165,000 - 225,000 USD

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

Additional benefits include:

• Flexible Spending Wallets for tech, food and lifestyle
• Away Days - wellness days to take off work and recharge
• Learning & Development programs
• Parental benefits
• Employee Resource & Community Groups

#LI-Remote

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.

Affirm 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.