Affirm provides fair and honest financial services, helping people pay over time for purchases with no late fees or surprises, using advanced technology and analytics beyond FICO scores.

Affirm is revolutionizing the financial industry by providing honest, transparent financial services. As a technology-driven company, they're looking for talented engineers across various specializations including Backend, Full Stack, Machine Learning, and Mobile development. The company operates globally with remote opportunities across the US, Canada, Spain, and Poland. They have a strong focus on infrastructure, consumer products, and merchant solutions. Their engineering teams work on critical projects ranging from ML platforms to storage services and payment systems. The company culture emphasizes innovation and technical excellence, with opportunities for both early-career engineers and experienced professionals. Working at Affirm means contributing to a mission of making financial services more accessible and transparent while working with cutting-edge technology and a talented global team. The company offers various engineering roles across different levels and specializations, providing opportunities for career growth and technical development in a remote-first environment.

Join Affirm's engineering team to build fair and innovative financial technology solutions across multiple engineering disciplines.

Multiple Software Engineering Positions

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.

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. Our group is seeking a key leader to join our team and help build the Decisions and Pricing Engineering area in Europe. Our mission is to deliver the best credit decisions for Affirm consumers while maintaining positive unit economics and being the highest converting and most competitive payment solution for our merchant partners.

This role requires a high level of technical ability, leadership skills, strong cross-functional communication, and a creative mindset. You will be responsible for building large-scale distributed systems, driving ML innovation, and developing the overall technology strategy for the group.

What You'll Do:
- Work with product managers and tech leads to develop features to support product and commercial initiatives.
- Consistently generate simple and sophisticated designs, and write high-quality code that can be easily understood and used by others.
- Build relationships with people across engineering and other organizations for the design, implementation, roll-out and maintenance of projects.
- Improve the current platform's extensibility, performance and usability to support rapid global deployment, scaling and expansion.
- Actively participate in making your team and workplace an inclusive environment for people from all backgrounds.
- Participate in on-call rotation.

What We Look For:
- 2+ years proven experience as a software engineer
- Ability to synthesize complex business, product, and technical requirements to consistently produce high quality system designs and software
- Ability to collaborate with your team in a fast-paced environment
- Strong cross-team communication and collaboration skills
- Prior experience architecting, building, launching and maintaining complex systems

Join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It's going to be an amazing ride!

Affirm seeks a Software Engineer II for Backend Decisions and Pricing in Europe, focusing on credit decisioning systems and ML models.

Software Engineer II, Backend (Decisions and Pricing EU)

Affirm is seeking a key leader to join their Decisions and Pricing Engineering team in Europe. The role involves building large-scale distributed systems, driving ML innovation, and developing technology strategy. Responsibilities include working with product managers and tech leads, generating sophisticated designs, writing high-quality code, fostering technical excellence, and mentoring engineers. The ideal candidate should have 6+ years of software engineering experience, proficiency in Python or Kotlin/Java, and excellent communication skills. This remote position offers competitive benefits, including health care coverage, flexible spending wallets, and generous time off. The role requires being based in Spain and may offer visa sponsorship.

Senior Software Engineer role at Affirm, focusing on Decisions and Pricing Engineering in Europe, building large-scale systems and driving ML innovation.

Senior Software Engineer (Decisions and Pricing Engineering)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without hidden fees or compounding interest.

Affirm is seeking a key leader to join their Decisions and Pricing Engineering team in Europe. The role involves building large-scale distributed systems, driving ML innovation, and developing technology strategy. You'll work on delivering the best credit decisions for consumers while maintaining positive unit economics and being competitive for merchant partners. 

Responsibilities include:
- Collaborating with product managers and tech leads
- Generating sophisticated designs and writing high-quality code
- Building relationships across organizations
- Fostering a culture of technical excellence
- Hands-on development of APIs and data models
- Improving platform extensibility, performance, and usability
- Mentoring engineers and senior leaders

Requirements:
- 6+ years of software engineering experience
- Proficiency in Python or Kotlin/Java
- Strong system design and software production skills
- Excellent communication skills
- Experience with complex systems architecture

Affirm offers competitive compensation, including base pay, equity, and benefits such as flexible spending wallets, wellness days, and learning & development programs. The role is remote-based in Spain, with visa sponsorship available.

Join Affirm in building a beloved financial services brand based on honesty and trust, contributing to their explosive growth across millions of customers and thousands of merchants.

Senior Software Engineer role at Affirm, focusing on Decisions and Pricing Engineering, building large-scale systems and driving ML innovation.

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 Loan Origination and Reporting team (LOR) is responsible for the creation of all loans with Affirm. We make reliable, scalable systems that can handle loan requests from our continually growing customer base. Our team's main users include the bank partners who originate our loans, and other engineering teams that use our services. In the future, we will be extending our reach to countries outside the U.S., signing on new customers, new merchants, and new bank partners along the way.

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 & 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" & 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 designing, developing and launching backend systems and are proficient in 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 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.

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.

Affirm is seeking a Software Engineer II for Backend (Loan Originations) to design and develop scalable systems for loan creation and API development.

Software Engineer II, Backend (Loan Originations)

Affirm is seeking a highly motivated Senior Software Engineer for their Furnishing Platform team to build scalable systems and data pipelines powering consumer credit reporting. This role involves close collaboration with Product, Compliance, Servicing, and Credit teams to design robust reporting systems crucial for delivering accurate and timely data from Affirm's financial product portfolio to Consumer Reporting Agencies. The ideal candidate will have 4+ years of experience in developing web applications using React or Vue, proficiency in Javascript/Typescript, and experience with distributed systems using AWS, MySQL, and Kubernetes. The role offers the opportunity to work on vital systems that enable Affirm to scale its products and further its mission of providing honest financial products. Key responsibilities include owning and delivering quarterly goals, leading engineers through ambiguous problems, supporting the product development lifecycle, identifying and solving technical issues, fostering a culture of quality and ownership, and developing talent within the team. The position is remote-based in Poland and offers competitive compensation and benefits, including flexible spending wallets, wellness days, and learning & development programs.

Senior Software Engineer role at Affirm, building scalable systems for consumer credit reporting. Remote position in Poland with competitive pay and benefits.

Senior Software Engineer (Furnishing Platform)

The Online Infrastructure team is the backbone of Affirm engineering. We provide the Kubernetes-based platform, traffic engineering, and supporting services that run all of Affirm - enabling management, configuration, provisioning, and operation of our computing infrastructure. We deliver a platform for infrastructure and product engineering teams to run their workloads at scale. Our customers are not only Affirm users, but also other engineering teams at Affirm. We aspire to provide simple and self-serve interfaces that are used daily by every engineer at Affirm.

As a Senior Staff Software Engineer (Online Infrastructure), you will:
- Lead technical decisions, projects, and roadmaps within the Online Infrastructure team. You will shape and own Affirm's strategy for managing and serving our computing workloads.
- Collaborate with peers, leadership, and stakeholders across the platform engineering and product engineering organizations.
- Design and implement frameworks, services, and tools to handle new Affirm products and business needs that can securely scale across millions of users and their transactions.
- Guide, tutor, and aid in the professional growth of junior and senior engineers within the team, promoting best practices in design, coding, and testing.

What we look for:
- 10+ years of software development experience.
- Proficient in Kubernetes, OpenShift, or other container orchestration technologies.
- Experience with cloud-native traffic management, networking, and security concepts at scale (Istio, Cilium, eBPF)
- Experience in designing and creating cloud-native CD systems with ArgoCD, Flux, or similar technologies.
- Solid CS fundamentals and practical coding and debugging experience using modern software delivery methods to develop services with Python, Go, C++, or JVM-based languages (Java, Kotlin, Scala).
- Experience with Amazon Web Services (AWS), Microsoft Azure Cloud, Google Cloud Platform (GCP), or other cloud providers.
- Familiarity with Service-Oriented Architectures (SOA) is a plus. Our stack includes Kubernetes, Docker, Envoy, Istio, and Nginx, but we are open to exploring new technologies.
- Have an enthusiastic vision for leading technical teams and mentoring other engineers
- You prefer leveraging, enhancing, and contributing to Open Source solutions rather than starting from scratch.

Affirm offers competitive benefits, including health care coverage, flexible spending wallets, generous time off, and an employee stock purchase plan. We are proud to be a remote-first company, allowing you to work from almost anywhere within the country of employment.

Senior Staff Software Engineer role at Affirm, leading the Online Infrastructure team to shape and manage computing workloads at scale.

Senior Staff Software Engineer (Online Infrastructure)

Affirm is a financial technology company that provides fair, honest, and inclusive payment solutions, allowing people to pay over time for almost anything without late fees or surprises.

At Affirm, we believe that the financial industry works better for everyone when it's fair, honest, and inclusive. We help people pay over time for almost anything—with no late fees or surprises. Through advanced technology and analytics that look beyond FICO, we're able to serve a much broader population than other lenders.

As a Senior Software Engineer, Backend (Card Checkout) at Affirm, you will be part of the Direct To Consumer team, focusing on developing and maintaining the backend systems for card checkout processes. Your role will involve working with advanced technology and analytics to support Affirm's mission of providing fair and inclusive financial services.

In this position, you will:
- Design, develop, and maintain backend systems for card checkout processes
- Collaborate with cross-functional teams to implement new features and improve existing ones
- Optimize system performance and scalability
- Implement security measures to protect sensitive financial data
- Contribute to the development of Affirm's advanced analytics capabilities

The ideal candidate will have:
- Strong experience in backend development, preferably in financial technology
- Expertise in one or more programming languages such as Java, Python, or Go
- Knowledge of database systems and RESTful API design
- Experience with cloud platforms (AWS, GCP, or Azure)
- Understanding of security best practices in financial applications
- Ability to work in a fast-paced, dynamic environment

Join Affirm and be part of a team that's revolutionizing the financial industry with innovative, customer-centric solutions. Help us create a more inclusive financial system that serves a broader population beyond traditional lending practices.

Senior Software Engineer, Backend (Card Checkout) at Affirm: Develop fair and inclusive financial solutions using advanced technology and analytics.

Affirm Engineering Jobs

Affirm provides fair and honest financial services, helping people pay over time for purchases with no late fees or surprises, using advanced technology and analytics beyond FICO scores.