Senior Software Engineer, Backend (Card Loan Platform)

• 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 Card Loan Platform team builds the high-throughput decision engine at the heart of Affirm's card products.
• Unlike traditional cards, every pay-later transaction is backed by its own unique loan, and our system is the "invisible piping" that makes this complex model work at scale.
• Every swipe triggers our platform to solve a hard problem in milliseconds: matching messy, fragmented payment network data to the correct loan to drive real-time approvals, origination, and refunds.
• As Affirm experiences explosive growth, our team's contributions are a key enabler.
• This isn't just another backend role; you'll be building the "financial brain" for our flagship card products, with your work on the critical path for every single swipe.
• We're tackling a unique, high-stakes distributed systems challenge that demands exceptional correctness and massive scale.
• You will partner closely with product, data science, and engineering teams to design and build the future of our industry-leading money movement platform.
• If you are passionate about making foundational design decisions and building a beloved, lasting financial brand—come join us. It's going to be an amazing ride!

What you'll do

• Drive technical strategy by leading the planning, prioritization, and execution of projects, ensuring alignment with product, technical, and business goals.
• Lead the end-to-end system design and development of large-scale, high-availability services. This includes building robust APIs and data models for our micro-service and event-driven architectures.
• Collaborate across functions with partners in Product, Analytics, Design, Legal, and Accounting and to define

requirements

and execute our card loan attribution and lifecycle strategy.

• Ensure system health and performance by analyzing and troubleshooting complex technical issues, optimizing existing code, and driving solutions that focus on long-term robustness and scalability.
• Mentor and grow the team by guiding junior engineers, leading technical discussions and design reviews, and championing best practices through code review.

What we look for

• 5+ years of experience in software development or engineering, with a deep understanding of system design and architecture.
• Motivated leader, inspiring team growth and fostering a culture of continuous learning
• Excellent communicator, adept at sharing complex ideas with diverse audiences.
• Strong analytical and problem-solving skills, with a creative and solution-oriented mindset.
• Proficiency in modern programming languages such as Python, Kotlin, or similar.
• Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes).
• Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development.
• 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 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 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

#LI-Remote

Remote-first with flexibility built in

• Affirm 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 you

Our 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.
• By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.