Senior Software Engineer, Card Loan Platform

Join to apply for the Senior Software Engineer, Card Loan Platform role at 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.

The Card Loan Platform team builds the high?throughput decision engine at the heart of affirms card products. 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 brandcome join us. Its going to be an amazing ride

• 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 & analytics, 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 teams artifacts by creating and monitoring metrics, escalating when needed, and supporting "keep the lights on" & 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.
  

• 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 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 Bachelors degree in a related field.
  

Pay Grade - N
Equity Grade - 8

Employees new to affirm typically come in at the start of the pay range. The base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits.

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

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. Affirmer in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office.

• 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
  

We believe its 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.

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