Job Details

Senior Software Engineer, Card Loan Platform

Posted: 6 days ago | Be among the first 25 applicants

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Overview

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 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

• Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open‑ended problems, and ensuring that everyone is supported throughout delivery.
• Collaborate with product management, design, and analytics throughout the product development lifecycle by participating in ideation, articulating technical constraints, and partnering on decisions that consider risks and trade‑offs.
• Proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• 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.
• Foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, advocating for them beyond your team through writing and tech talks.
• Help develop talent on your team by providing feedback and guidance, and leading by example.

What We Look For

• 4+ years of experience designing, developing, and launching backend systems at scale using languages like Python or Kotlin.
• Track record of developing highly available distributed systems using technologies such as AWS, MySQL, and Kubernetes.
• Experience defining a technical plan for a significant feature or system component with an elegant, simple, and extensible design. Write high‑quality code that is easily understood and used by others.
• Proficiency at making significant changes in a large code base, and having developed a suite of tools and practices that enable safe changes.
• Growth mindset: proactively seek feedback from your team, manager, and stakeholders.
• Strong verbal and written communication skills supporting effective collaboration with a global engineering team.
• Either equivalent practical experience or a Bachelor's degree in a related field.

Pay & Equity

Pay Grade: N

Equity Grade: 8

Employees new to affirm typically come in at the start of the pay range. affirm focuses on providing a simple and transparent pay structure 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: $190,000–240,000

USA base pay range (all other U.S. states) per year: $169,000–219,000

Remote Work

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

• 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.

EEO Statement

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 affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Seniority Level

Mid‑Senior level

Employment Type

Full‑time

Job Function

Engineering and Information Technology