Senior Software Engineer, Backend; Decisions and Pricing Foundations

Senior Software Engineer, Backend (Decisions and Pricing Foundations)
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 Decisions and Pricing Foundations team owns the foundational aspect of the Underwriting Engine, architecting, modernizing, and optimizing affirm’s underwriting capabilities to serve an ever increasing number of consumers and merchants while maintaining high availability and excellent economics.

What You'll Do

Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open‑ended problems and ensuring everyone is supported throughout delivery.

Collaborate with product management, design, analytics, and stakeholders during the product development lifecycle, articulating technical constraints and partnering on decisions that consider risks and trade‑offs.

Proactively identify project, process, technology, or business issues, advocate for them, and lead in solving them.

Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” and on‑call efforts.

Foster a culture of quality and ownership by setting or improving code review and design standards, and advocating for them beyond your team through writing and technical talks.

Help develop talent on your team by providing feedback and guidance, and leading by example.

What We Look For

4+ years of experience designing, developing, and launching backend systems at scale using languages such as Python or Kotlin.

A track record of building highly available distributed systems with technologies like AWS, MySQL, and Kubernetes.

Familiarity with processing data offline using frameworks such as Spark or Ray.

Knowledge of stream‑processing architectures and the ability to bridge online and offline systems with hybrid designs.

Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple, and extensible design.

Ability to write high‑quality code that is easily understood and used by others.

Proficiency in making significant changes in a large codebase, with a suite of tools and practices that enable safe evolution.

Ownership of personal growth, proactively seeking feedback from team, manager, and stakeholders.

Strong verbal and written communication skills that support effective collaboration with a global engineering team.

Pay Grade – N
Equity Grade – 6

Employees new to affirm typically start at the beginning of the pay range. affirm focuses on a simple and transparent pay structure incorporating location, experience, and job‑related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness, and tech spending, as well as benefits such as 100% subsidized medical coverage, dental and vision for you and your dependents.

Employees may also be eligible for equity rewards offered by affirm holdings, inc. (parent company).
CAN base pay range per year: $150,000 – $200,000
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. 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.

Benefits

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 It’s 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.

By clicking “Submit Application,” you acknowledge that you have read affirm’s Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Seniority level
Mid‑Senior level

Employment type

Full‑time

Job function
Engineering and Information Technology

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