Software Engineer II, Backend (Payments)

About the Position

At Returnly, 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 currently seeking a Software Engineer II, Backend (Payments) to join our Consumer Payments team. This role is pivotal in ensuring that any customer can successfully utilize their financial data and preferred payment method to transact, without harming their financial health. The systems owned by the Consumer Payments team move billions of dollars per year, which means reliability and scalability are at the heart of everything we do.

Responsibilities

• Break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
• Support peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics.
• 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.
• Contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.

Requirements

• 1.5+ years of experience as a software engineer.
• Experience designing, developing, and launching backend systems and proficiency in Python or Kotlin.
• Familiarity with the building blocks of distributed systems, and technologies like AWS, MySQL, and Kubernetes.
• Experience designing, developing, and launching APIs at scale using Python or Kotlin.
• Ability to take 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.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.

We Offer

• Competitive salary range: £101,000 - £149,000 per year.
• Equity rewards offered by Affirm Holdings, Inc. (parent company).
• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Monthly stipends for tech setup, health, and wellness options.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP) to buy Affirm stock at a discount.

About the Company

Returnly 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. We are a remote-first company with flexibility built in, and most roles can be done from almost anywhere within the country of employment.

Please note that visa sponsorship is not available for this position.

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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: Returnly considers qualified applicants with arrest and conviction records, as required by law.

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