Software Engineer II, Backend (Identity Decisioning)

About the Position

At Affirm, we exist for the moments that matter-giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

We are looking for a Software Engineer II, Backend (Identity Decisioning) to join our Identity Decisioning team, responsible for building backend systems that validate consumer identity in all of Affirm’s products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission.

Responsibilities

• 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.

Requirements

• Total of 1.5+ years of experience as a software engineer.
• Experience designing, developing, and launching backend systems and proficiency in one of Python or Kotlin.
• Familiarity with the building blocks of distributed systems, and technologies like AWS, MySQL, and Kubernetes.
• Mastery of 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.
• Comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• Experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• 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.

We Offer

• Base Pay Grade - L
• Equity Grade - USA 6
• Base Pay Range:
  • USA Pacific (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD
  • USA Sapphire (all other U.S. states): $146,000 - $206,000 USD
• Benefits:
  • Health coverage at no cost: 100% subsidized medical coverage, dental, and vision for you and your dependents.
  • Spending stipends: Monthly stipends for health, wellness, and tech spending.
  • Time off to recharge: Flexible time off and generous holiday calendars.
  • Own a piece of what you build: Employee stock purchase plan (ESPP) to buy Affirm stock at a discount.

About the Company

Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Our benefits reflect our commitment to care, transparency, and flexibility. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

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