Backend Software Engineer II

About The Company
Affirm is a pioneering financial technology company committed to transforming the way consumers access credit. By fostering transparency and honesty, Affirm offers flexible buy now, pay later solutions without hidden fees or compounding interest, empowering consumers to make informed purchasing decisions. The company prides itself on creating a seamless and trustworthy experience for users worldwide, leveraging innovative technology to redefine credit and financial services. With a focus on inclusivity, transparency, and customer-centricity, Affirm continues to expand its reach and impact in the fintech industry.
About The Role
Join Affirm as a Software Engineer II, Backend (Identity Decisioning), and become a vital part of our identity engineering team. In this role, you will be responsible for developing and maintaining high-availability, low-latency systems that support onboarding, authentication, and verification processes across our product ecosystem. Your work will directly influence the security, reliability, and efficiency of our user identity management systems, ensuring a smooth experience for millions of consumers. You will collaborate closely with cross-functional teams, including product management, design, and analytics, to deliver scalable solutions that meet business needs. This position offers an exciting opportunity for a mid-senior level engineer to grow their expertise in distributed systems, cloud infrastructure, and backend development within a dynamic, innovative environment.
Qualifications

• 1.5+ years of experience as a software engineer
• Proficiency in Python or Kotlin for backend development
• Experience designing, developing, and launching backend systems
• Familiarity with distributed systems and building blocks such as AWS, MySQL, and Kubernetes
• Strong problem-solving skills with the ability to translate business scenarios into technical solutions
• Experience navigating large codebases, debugging, and conducting code reviews
• Ownership mindset with proactive feedback seeking and personal growth focus
• Excellent verbal and written communication skills for effective collaboration
• Relevant practical experience or a Bachelor’s degree in Computer Science, Engineering, or a related field

Responsibilities

• Collaborate with team leads and managers to break down projects into manageable tasks and deliver in phases
• Support product development by working with product management, design, and analytics teams
• Participate in ideation sessions, articulate technical constraints, and assist in decision-making processes
• Ensure operational stability and availability of identity systems through monitoring, metrics creation, and escalation when necessary
• Contribute to team growth by engaging in development activities, including participation in the interview process
• Support on-call duties and “keep the lights on” efforts to maintain system reliability
• Write clear, well-tested, and extensible code that interacts seamlessly with multiple software components
• Navigate and debug complex codebases, providing constructive feedback during code reviews

Benefits

• Health care coverage with all premiums covered for employees and dependents
• Generous stipends for technology, food, lifestyle, and family expenses through Flexible Spending Wallets
• Competitive vacation and holiday schedules to promote work-life balance
• Employee Stock Purchase Plan (ESPP) allowing discounted shares of affirm stock
• Remote-first work environment with flexibility to work from almost anywhere within the country

Equal Opportunity
Affirm is committed to fostering an inclusive and diverse workplace. We provide equal employment opportunities to all qualified applicants without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, or any other protected status. We are dedicated to creating an environment where everyone feels valued, respected, and empowered to contribute their best. Reasonable accommodations are available for candidates during the hiring process to ensure an equitable experience for all applicants.