Senior Backend Software Engineer (Card Loan Platform)

• 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!
• 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

Benefits

• Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
• Spending Wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
• Supportive Communities: Get involved with our employee resource groups and community groups
• Remote-first Workforce: If your role is remote, you can set up shop anywhere in your home country
• Generous Time Off: Take the time you need when life happens
• Health Benefits: Get a plan that fits your needs
• Mental Healthcare: Take care of your mind with great mental health programs
• Parental Leave: Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
• Away Days: We offer 20 company-wide paid days off—which help our teams collectively pause to recharge
• Learning & Development: Engage in exciting learning programs to level up your growth

• Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes)
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field
• 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
• Strong analytical and problem-solving skills, with a creative and solution-oriented mindset
• Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development
• Proficiency in modern programming languages such as Python, Kotlin, or similar
• Excellent communicator, adept at sharing complex ideas with diverse audiences