Staff Software Engineer, Backend (Fraud Decisioning)

Affirm, Inc.; Northern (KY); Remote; USD 204,000 - 264,000; Full time

Benefits offered by this job

Health coverage for you and dependents

Employee stock purchase plan (ESPP)

Spending stipends for tech setup

Flexible time off

Job summary

Affirm, Inc. is seeking a Staff Software Engineer for Backend Fraud Decisioning, fully remote in the United States. You will lead cross-functional initiatives, design robust fraud decisioning tools, and mentor engineers while influencing hiring decisions.

The role focuses on building scalable systems to protect customers and merchants, with a strong emphasis on data-driven risk evaluation. You will collaborate with Product, ML, Analytics, and Business teams to deliver high-quality solutions and

Qualifications

• 6–10+ years of software engineering with leadership responsibilities.
• Experience architecting, building, launching, coding and maintaining complex systems.
• Ability to collaborate with Product, ML, Analytics and Business teams.

Responsibilities

• Plan and execute large, cross-functional initiatives across the org.
• Write high-quality, maintainable code and design simple, robust solutions.
• Review others’ work to maintain high quality standards across teams.
• Lead and mentor engineers, giving context and ownership of components.
• Incorporate stakeholder needs, advocate ideas, and align voices.

Skills

Software architecture

Team leadership

Cross-functional collaboration

Mentoring engineers

System design

Hiring process

Education

Bachelor's degree or equivalent

Job description

Staff Software Engineer, Backend (Fraud Decisioning)

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.

We are looking for a Staff Engineer to lead projects and initiatives on the Fraud Decisioning team. You’ll be responsible for building tools and systems that empower affirm fraud fighting capabilities, work with cross-functional teams to adopt and monitor those and use analytics and data driven decisions to further improve the performance and quality of fraud deciders. Our mission is to drive growth while protecting affirm, buyers, and merchants. We achieve this by leveraging data to evaluate risk at critical points in the user journey, adapting to the ever-changing fraud landscape, and by introducing new fraud-fighting capabilities..

What You’ll Do

• Work across the org to plan and execute large, cross-functional initiatives, including: project definition, technical specification, task break-down, delivery, monitoring, and maintenance.
• Generate simple and elegant designs that are easily deployed and debugged, but anticipate the unhappy path. Write high-quality code that can be easily understood and leveraged by others.
• Review others’ work and provide constructive feedback in order to maintain high and consistent quality standards across teams.
• Lead and mentor engineers to help them succeed and grow. Provide the right context to engineers and train them to take ownership of their respective pieces of the initiative.
• Effectively incorporate needs and opinions from stakeholders, advocate for ideas and initiatives, and create a common understanding where all voices are heard.
• Conduct technical and soft skill evaluations to inform and influence the hiring decisions. Develop and review the technical content and requirements of the interview process.

What We Look For

• 6-10+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers.
• Prior experience architecting, building, launching, coding and maintaining complex systems.
• Passion for working with cross-functional teams including Product, ML,Analytics and Business teams.
• A technical leader and team builder who can mentor the team in software development best practices.
• Expert at synthesizing complex business, product, and technical requirements to consistently produce high quality system designs and software.
• A system architect who can see the big picture and envision how business and product requirements can be broken up into system modules or components.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Base Pay Grade - P

Equity Grade - USA 13

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): $230,000 - $290,000

USA base pay range (all other U.S. states): $204,000 - $264,000

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 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 affirm’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.