Senior Software Engineer

• 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
• 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

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