Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging from one to sixty months. As of June 30, 2022, the company had approximately 235,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel and ticketing, apparel, accessories, consumer electronics, and jewelry. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

affirm

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.We are looking for an Engineering Manager to lead a full-stack team building Affirm Card customer experiences. You will partner closely with Product, Design, and Analytics to ship customer-facing features while raising the bar on quality, reliability, and engineering fundamentals. What You'll Do Lead and coach a team of engineers building customer experiences across React Native and supporting backend services. Own delivery for your team’s roadmap. Drive planning, execution, and clear stakeholder communication. Partner with Product, Design, and Analytics to define goals, success metrics, and priorities for Card Experience. Maintain a high bar for engineering excellence, including system design, code quality, testing strategy, observability, and operational readiness. Build healthy team processes and a strong feedback culture that supports sustained execution and team health. Hire and develop talent. Run structured interviews and close candidates effectively. What We Look For Typically 6-8+ years in software engineering, including 3+ years managing engineers (or equivalent leadership experience). Experience delivering consumer-facing software and driving execution through ambiguity. Experience building with React Native (or leading teams transitioning to it). Technical depth sufficient to guide architecture and quality decisions, and to hold a high bar on engineering practices. Strong cross-functional collaboration skills and ability to influence across teams. Hands-on technical leadership: Expectation to stay close to the code and architecture, including doing design/code reviews, pairing when useful, and contributing directly as needed to unblock delivery and maintain a high engineering bar. This position requires either equivalent practical experience or a Bachelor’s degree in a related field.&nbsp; &nbsp; Pay Grade - PEquity Grade - 13Employees 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) per year: $225,000 - $275,000USA base pay range (all other U.S. states) per year: $200,000 - $250,000#LI-Remote 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Manager, Software Engineering (Card Experiences)

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.Join the Credit Engineering group and partner with Product and Credit Risk to solve complex challenges on how to protect consumers from overextending themselves while enabling Affirm to be where consumers need us most. As part of the team, you will focus on designing and implementing new features in our underwriting platform to support our partnered merchants and our users across a wide number of interfaces, including Affirm Card, ecommerce sites, and the app. You will have a direct impact on the performance of Affirm as we look to continue to grow and expand the reach out of Affirm loans in a safe and responsible way for our customers!What You'll Do· With the support of your team, you will work on tasks that contribute to the team's projects and goals.· You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work.· You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime.· You will contribute to a sense of community on your team by engaging in growth and development activities.What We Look For· You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using one of Python or Kotlin.· You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.· 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.· This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Pay Grade - JEquity Grade - 5Employees 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) per year: $130,000 - $170,000USA base pay range (all other U.S. states) per year: $115,000 - $155,000#LI Remote&nbsp; 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Software Engineer I, Backend (Purchasing Power)

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. Identity at Affirm is mission-critical; it is the very first step of the customer journey and the foundation of global expansion. The International Expansion Unit (IEU) owns Identity for every market outside North America, placing our team at the center of Affirm’s global strategy. We are responsible for ensuring Affirm can enter and scale in new markets while operating compliantly across diverse regulatory environments. Our scope includes building and expanding Identity Data Management, KYC Verification, and Decisioning capabilities, while driving architectural changes that impact Identity services globally. We don’t just execute; we influence the core platform’s evolution to support new risk models and market dynamics. Operating at the intersection of technical depth and regulatory complexity, we directly impact approval rates, conversion, and fraud exposure. By joining this team, you will shape the foundational processes that unlock revenue and build customer trust on a global scale. What You'll Do: You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. You will collaborate across teams in the product development lifecycle by collaborating with product management, design &amp; analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, polcities, testing and alerting in place to support “keep the lights on” &amp; on-call efforts. You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For: You have 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes. You have strong verbal and written communication skills that support effective collaboration with our global engineering team. You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. Pay Grade - L Equity Grade - 7 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.&nbsp; Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). GBR base pay range per year: £140,000 - 180,000 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Staff Software Engineer, Back-end (Identity Engineering)

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 Repayments Nexus is looking for a Manager of Software Engineering to help build the tools and systems to allow our customers to repay their loans in the most convenient way possible. The Repayments Nexus is a group entirely based in Europe, owning the end-to-end repayments consumer experience, from the “Manage” tab in our Affirm mobile app to Collections and Recoveries. The Repayments team's vision is to develop easy, transparent, and flexible repayment experiences that retain our customers for life—through good times and bad times—which is a critical element of our strong unit economics at Affirm. We're looking for a highly motivated manager to build and lead our new International team for the Repayments area. If you are passionate about creating world-class user experiences and excited by the challenge of launching products in new regions, join us. Help build the next generation of Affirm's platform and define our presence around the world. What you’ll do Lead, mentor, and grow an engineering team responsible for the repayment processes in our international expansion journey. Mentor engineers on the team to help improve their designs, code quality, and testing. Own availability, reliability, and performance of your team’s systems. Partner with product managers to design and build best-in-class systems and processes for collections. Partner with a diverse set of engineering teams who build solutions throughout the entire lifecycle of a loans repayment at Affirm Build relationships and engage with senior management in the organization What we look for 7+ years of proven experience as a software engineer role with leadership responsibilities and 1+ years as an engineering manager. Drive to change consumer financial services for the better. Prior experience growing and managing a high performing engineering team. Fluency in back end development. Prior experience architecting, building, launching and maintaining consumer scale products. Strong cross-team communication and collaboration skills. Knowledge of basic loans lifecycle and delinquency assessment is a plus. Compensation and Benefits Base Pay Grade - P Equity Grade - Spain 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.&nbsp; Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). ESP base pay range per year:&nbsp;€ 101,000 &nbsp;- &nbsp;131,000 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning &amp; Development programs Parental leave Employee Resource &amp; Community Groups We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.&nbsp; Location - Remote Spain #LI-Remote 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Manager, Software Engineering, Backend ( Repayment International)

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 Repayments Nexus is looking for a Manager of Software Engineering to help build the tools and systems to allow our customers to repay their loans in the most convenient way possible. The Repayments Nexus is a group entirely based in Europe, owning the end-to-end repayments consumer experience, from the “Manage” tab in our Affirm mobile app to Collections and Recoveries. The Repayments team's vision is to develop easy, transparent, and flexible repayment experiences that retain our customers for life—through good times and bad times—which is a critical element of our strong unit economics at Affirm. We're looking for a highly motivated manager to build and lead our new International team for the Repayments area. If you are passionate about creating world-class user experiences and excited by the challenge of launching products in new regions, join us. Help build the next generation of Affirm's platform and define our presence around the world. What you’ll do Lead, mentor, and grow an engineering team responsible for the repayment processes in our international expansion journey. Mentor engineers on the team to help improve their designs, code quality, and testing. Own availability, reliability, and performance of your team’s systems. Partner with product managers to design and build best-in-class systems and processes for collections. Partner with a diverse set of engineering teams who build solutions throughout the entire lifecycle of a loans repayment at Affirm Build relationships and engage with senior management in the organization What we look for 7+ years of proven experience as a software engineer role with leadership responsibilities and 1+ years as an engineering manager. Drive to change consumer financial services for the better. Prior experience growing and managing a high performing engineering team. Fluency in back end development. Prior experience architecting, building, launching and maintaining consumer scale products. Strong cross-team communication and collaboration skills. Knowledge of basic loans lifecycle and delinquency assessment is a plus. Compensation and Benefits Base Pay Grade - P Equity Grade - Poland 5 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.&nbsp; Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year:&nbsp;358,000 zł &nbsp;- &nbsp;458,000 zł &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning &amp; Development programs Parental benefits Employee Resource &amp; Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. **This job description is not a contractual document, and is not intended to have binding force.** #LI-Remote &nbsp; 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 Merchant &amp; Partner Lifecycle (M&amp;PL) team is at the forefront of Affirm’s architectural transformation. We are addressing critical architectural risks by consolidating merchant lifecycle orchestration into a newly cohesive domain.&nbsp; &nbsp; You will act as a technical leader responsible for building out the brand new lifecycle-orchestrator service that’s at the heart of multiple connected systems. Your work will deliver immediate availability improvements through system simplification and isolation, and modernize older parts of the codebase. &nbsp; What You'll Do Design &amp; expand the backbone of our platform to scale to hundreds of thousands of merchants from all around the world Design and align the scope of work with other teams to deliver cross-team projects Mentor other engineers to ensure their development &amp; growth Partner with Engineering Manager and Team Lead to drive and execute the long-term vision of the team Execute technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems Utilize agentic development tools like Claude Code to automate parts of the development process Improve engineering standards, tooling, and processes throughout the organization What We Look For 5+ years of experience as a backend software engineer A strong understanding of Domain-Driven Design, distributed systems, and how architectural decisions affect performance and maintainability Proficiency with data models, API design (http and RPC), state machines, event-driven architecture, and database design Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication–written tech specs, ADRs, project plans, etc. Experience designing, developing, and launching backend systems (our stack: AWS, gRPC, Snowflake, Kotlin, Python, MySQL, Kubernetes). Java and Kotlin experience are especially helpful. Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana) This posting is for an existing vacancy. Pay Grade - NEquity 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.) In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). CAN base pay range per year: $150,000 - $200,000 &nbsp;#LI-Remote 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Software Engineer, Backend (Merchant Advocacy)

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 Merchant &amp; Partner Lifecycle (M&amp;PL) team is at the forefront of Affirm’s architectural transformation. We are addressing critical architectural risks by consolidating merchant lifecycle orchestration into a newly cohesive domain.&nbsp; You will act as a technical leader responsible for building out the brand new lifecycle-orchestrator service that’s at the heart of multiple connected systems. Your work will deliver immediate availability improvements through system simplification and isolation, and modernize older parts of the codebase. What You'll Do Design &amp; expand the backbone of our platform to scale to hundreds of thousands of merchants from all around the world Design and align the scope of work with other teams to deliver cross-team projects Mentor other engineers to ensure their development &amp; growth Partner with Engineering Manager and Team Lead to drive and execute the long-term vision of the team Execute technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems Utilize agentic development tools like Claude Code to automate parts of the development process Improve engineering standards, tooling, and processes throughout the organization What We Look For 5+ years of experience as a backend software engineer A strong understanding of Domain-Driven Design, distributed systems, and how architectural decisions affect performance and maintainability Proficiency with data models, API design (http and RPC), state machines, event-driven architecture, and database design Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication–written tech specs, ADRs, project plans, etc. Experience designing, developing, and launching backend systems (our stack: AWS, gRPC, Snowflake, Kotlin, Python, MySQL, Kubernetes). Java and Kotlin experience are especially helpful. Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana) &nbsp; Pay Grade - N Equity Grade - USA 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 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: $190,000 - $240,000USA base pay range (all other U.S. states) per year: $169,000 - $219,000 &nbsp;#LI-Remote 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 Marketplace Performance team in the Direct to Consumer org builds the discovery platforms behind Affirm’s deals feed, affiliates, payment attribution and merchandising systems. Our mission is to help shoppers find the right merchant and financing for their needs. As a member of our team, you’ll ship features that make it faster and easier for shoppers to find the right merchant and financing for their needs. You’ll partner closely with Product, Design, and other engineering teams to scope work, write clean and well-tested code, review PRs, and ship new functionality iteratively. We value curiosity, ownership, and empathy for our customers. Join us to grow your impact while building dependable features for our Marketplace. What You'll Do 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 &amp; 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” &amp; on-call efforts. You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. What We Look For You have a total of 1.5+ years of experience as a software engineer. You have experience shipping web apps using declarative UI frameworks like React or Vue. You have experience designing, developing and launching APIs at scale using languages like Python or Kotlin. 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. This position requires either equivalent practical experience or a Bachelor’s degree in a related field. &nbsp; Base Pay Grade - L Equity Grade - 6 Employees new to Affirm&nbsp;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) per year: $160,000 - $210,000USA base pay range (all other U.S. states) per year: $142,000 - $192,000 &nbsp;#LI-Remote &nbsp; 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Software Engineer II, Backend (Marketplace Performance)

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.Zero To One (ZT1) is Affirm’s 0 -&gt; 1 innovation lab, focused on turning bold ideas into validated new businesses. Operating outside the standard Product and Engineering structure, ZT1 is built for speed, autonomy, and decisive execution. We run fast, hypothesis-driven experiments with a clear goal: prototype quickly, generate real signals, and drive explicit “kill or scale” decisions on high-impact opportunities, with AI as a core enabler across the stack. As an engineer on ZT1, you will work in a small, highly empowered, AI-native team alongside product managers and cross-functional partners, with direct exposure to senior leadership. You will not just build systems, you will help shape experiments, define technical approaches, and influence product direction. Work happens in rapid sprint cycles, where ideas quickly move from concept to AI-powered prototypes and real-world testing. Engineers on this team are expected to be comfortable leveraging AI-first tools and approaches, including AI-assisted development, agentic workflows, automation, and rapid prototyping. You should have an eye for product and design, and be able to quickly translate ideas into functional, AI-enabled prototypes that can be tested with users or stakeholders. This role is ideal for engineers who thrive in ambiguity, move quickly, and take ownership end to end in an AI-centric environment. You will balance speed with sound engineering judgment, contributing to both early prototypes and scalable AI-driven solutions when ideas prove viable. If you enjoy building from scratch and seeing your work directly impact company strategy, ZT1 offers a uniquely high-leverage environment.What You'll Do · You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.· You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design &amp; analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider&nbsp; &nbsp; &nbsp; risks and trade-offs.· You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.· 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” &amp; on-call efforts.· You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.· You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For · You have a total of 4+ years of experience as a software engineer.· You are experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes.· You have experience shipping web apps using declarative UI frameworks like React or Vue.· You have experience leveraging AI tools, agentic coding workflows, and automation to accelerate development, prototyping, and problem solving. · You have strong experience leveraging AI tools, agentic coding workflows, and automation to accelerate development, prototyping, and problem solving.· You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.· You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.· 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.· This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Base Pay Grade - N Equity Grade - USA 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 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: $190,000 - $240,000USA base pay range (all other U.S. states) per year: $169,000 - $219,000#LI-Remote 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Software Engineer, Full Stack (Zero to One Labs)

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 Trust Infra team elevates the security posture of our infrastructure and services by embedding security in everything from provisioning to deployment, improving developer experience through automation, and building guardrails that enable safe, rapid delivery. Artifacts owned by this team include our secrets management system, authentication and authorization, cryptography, certificate workloads, and other core security components within our Kubernetes and cloud infrastructure. What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design &amp; analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. 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” &amp; on-call efforts. You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For You have 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. You have deep expertise of Kubernetes resource management, Helm charts, and operator patterns, centered around security workloads. You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely. 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. This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Pay Grade - NEquity Grade - 8Employees 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) per year: $190,000 - 240,000 USA base pay range (all other U.S. states) per year: $169,000-219,000#LI-Remote 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. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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 Affirm's&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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