Software Engineer II, Full Stack (Card Pre-Swipe Experience)

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 build the experiences that connect a customer's intent to buy with the flexibility of Affirm Card. From making financing options easier to understand to creating intuitive checkout journeys, we turn complex financial capabilities into simple, trustworthy experiences. Our roadmap includes evolving Default Terms, supporting additional cards, and strengthening the mobile experiences customers rely on when deciding how to pay.

Our work sits at the intersection of mobile, backend systems, and product innovation. We partner closely with Product, Design, and engineering teams across Returnly to introduce new capabilities while protecting the reliability of our checkout-critical surfaces.

As a Software Engineer II, Full Stack (Card Pre-Swipe Experience), you'll help bring these experiences to life through customer-facing features and the services behind them. We're looking for a curious, collaborative engineer who cares about the complete customer journey and enjoys turning challenging problems into thoughtful solutions. Together, we'll make Affirm Card easier to use and help customers make financial decisions with greater confidence.

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

• 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 shipping web apps using declarative UI frameworks like React or Vue.
• 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.

We Offer

• Competitive salary: CAD $133,000 - $183,000 per year.
• Equity rewards: Employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
• Health coverage: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Flexible time off: Generous holiday calendars help you rest when you need to.
• Employee stock purchase plan (ESPP): Own a piece of what you build by letting you buy Affirm stock at a discount.

About the Company

Returnly 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 Returnly 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.

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.

By clicking "Submit Application," you acknowledge that you have read Returnly's Global Candidate Privacy Notice and consent to the use of your personal information as described.

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