Senior Software Engineer, Backend (Open Loop BNPL)

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 OpenLoop BNPL team is responsible for the abstraction between the card networks and Affirm. With a focus on supporting the expanding catalog of Affirm’s open loop products (Affirm cards, VCN, digital wallets, …) that enable users to get transparent, honest financing for their purchases anywhere with the Affirm.

As a Senior Software Engineer at Affirm, you'll be responsible for the design and development of complex software systems that enable the deliver of honest, transparent financing to our users.

What You’ll Do

• Lead the design, development, and deployment of software systems and applications.
• Collaborate with cross-functional teams to define software requirements and architecture.
• Write clean, maintainable, and efficient code in programming languages such as Java, Python, C++, or others as required.
• Optimize and refactor existing code to enhance performance and scalability.
• Provide mentorship and guidance to junior and mid-level engineers.
• Review code, provide feedback, and ensure adherence to best coding practices.
• Lead technical discussions, design reviews, and solution brainstorming sessions.
• Analyze and troubleshoot complex technical issues.
• Develop innovative solutions to meet business needs, focusing on robustness, security, and performance.
• Design and implement large-scale, high-availability, and scalable systems.
  
  

What We Look For

• 5+ years of experience in software development or engineering, with a deep understanding of system design and architecture.
• Proficiency in modern programming languages such as Java, Python, C#, 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.
• Strong understanding of software development methodologies (Agile, Scrum, DevOps).
• Excellent problem-solving and analytical skills.
• Proven leadership and mentorship capabilities.
• Strong verbal and written communication skills.
  
  

Pay Grade - N

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.)

CAN base pay range per year: $150,000 - $200,000

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.

Benefits

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.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.