Software Engineer II, Backend (Identity Decisioning)

Software Engineer II, Backend (Identity Decisioning)
Remote US

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.

Overview
Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across affirm’s product surfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize that context to own and deliver high‑availability and low‑latency systems on the critical paths for all of our products.

What youll 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 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.

Base Pay Grade - L

Equity Grade - 6

Employees new to affirm typically come in at the start of the pay range. affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job‑related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 – $210,000
USA base pay range (all other U.S. states) per year: $142,000 – $192,000

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

ESP – an employee stock purchase plan enabling you to buy shares of affirm at a discount

EEO & Diversity Statement
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.

As affirms equal employment opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Voluntary Self‑Identification Survey
Under affirm’s equal employment opportunity policy, we ask candidates to voluntarily self‑identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals.

Gender identity

Sexual orientation (LGBTQ+)

Race / ethnicity

Veteran status

Disability status

Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring‑process or thereafter. Any information that you provide will be recorded and maintained in a confidential file.

Disability Information
We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities.

Alcohol or other substance use disorder (not currently using drugs illegally)

Autoimmune disorder, e.g., lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS

Blind or low vision

Cancer (past or present)

Cardiovascular or heart disease

Celiac disease

Cerebral palsy

Deaf or serious difficulty hearing

Diabetes

Disfigurement, e.g., caused by burns, wounds, accidents, or congenital disorders

Epilepsy or other seizure disorder

Gastrointestinal disorders, e.g., Crohn’s Disease, irritable bowel syndrome

Intellectual or developmental disability

Mental health conditions, e.g., depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD

Missing limbs or partially missing limbs

Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports

Nervous system condition, e.g., migraine headaches, Parkinson’s disease, multiple sclerosis (MS)

Neurodivergence, e.g., ADHD, autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities

Partial or complete paralysis (any cause)

Pulmonary or respiratory conditions, e.g., tuberculosis, asthma, emphysema

Short stature (dwarfism)

Traumatic brain injury

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