Software Engineer II (Money Movement & Card Ledger)

About Affirm: Affirm is reinventing credit to make it more honest, transparent, and user-friendly, providing millions of consumers with the flexibility to buy now and pay later without hidden fees, compounding interest, or structural traps. As an industry-leading fintech trailblazer, Affirm unifies instant transaction underwriting with consumer card networks to power commerce for thousands of top-tier merchants in-store and online. Built around the core principle that people come first, Affirm develops an ecosystem predicated entirely on honesty, fiscal integrity, and trust.

Position Overview

We are seeking a highly autonomous, systems-fluent, and development-oriented Software Engineer II (Money Movement & Card Ledger) to join our core financial platform engineering vertical under a permanent, full-time remote configuration within Canada. The Money Movement & Card Ledger team builds, maintains, and secures the high-availability ledger engines, bank integrations, and data nodes powering our newest flagship product: the Affirm Card—a breakthrough option marrying traditional debit functionality with buy-now-pay-later (BNPL) financial channels. Shifting completely away from routine non-regulated administrative data entry loops, simple website modifications, or generic internal tool updates, you will operate an active high-concurrency event-streaming, transactional ledger auditing, and multi-tenant cloud-infrastructure laboratory. Partnering cross-functionally alongside Product Managers, Data Scientists, and global engineering cells, you will translate multi-phase business workflows into mathematically exact, extensible backend solutions. This position requires a software engineer with 2.5+ years of production history who handles microservices fluidly natively using Python, Backend, and DevOps primitives, targets strict software reliability targets, and participates in on-call operational syncs reliably.

Key Responsibilities

• Financial Service Governance: Design, develop, and maintain secure, scalable backend services and transaction APIs to govern bank data integration and merchant settlement lines natively utilizing Backend best practices.
• Ledger Infrastructure Instrumentation: Write and optimize mathematically precise, immutable double-entry ledger algorithms to ensure uncompromised accuracy for real-time card clearings.
• Distributed System Optimization: Leverage modern cloud building blocks to scale transactional data throughput, orchestrating workloads fluidly natively deploying DevOps components like AWS, Kubernetes, and containerized microservices.
• High-Scale API Customization: Architect, test, and ship high-throughput, low-latency RESTful or gRPC endpoints to handle millions of consumer card sweeps without system performance drops.
• Relational Data Management: Define, write, and optimize relational schemas, transaction bounds, and query structures across large multi-tenant MySQL data instances.
• Cross-Functional Project Triage: Collaborate beside Product Management, Design, and Analytics to analyze business requirements, detail technical constraints, and partner on decisions considering risk-mitigation trade-offs.
• Code Base Stewardship: Navigate massive internal repositories to debug deep software issues, reviewing code patches from peers to maintain strict, easily understood, and well-tested engineering standards.
• Production Observability Control: Establish, monitor, and triage runtime metrics and real-time alerts, actively supporting team artifact availability and “keep the lights on” on-call production rhythms.

Required Skills & Qualifications

• Possess a formal Bachelor’s degree in Computer Science, Software Engineering, or a matching highly technical discipline, OR equivalent practical industry experience.
• A minimum of 2.5+ years of proven, successful professional software development experience operating as a Backend Developer, Systems Engineer, Core Python Developer, FinTech Engineer, or closely matching tech-driven application design capacity.
• Expert Backend Command: Complete production-grade proficiency writing, debugging, and maintaining clean code natively utilizing Python or Kotlin ecosystems.
• Strong working familiarity with distributed application components, web infrastructure layers, and cloud relational databases (explicitly including AWS, MySQL, and Kubernetes platforms).
• Outstanding written and verbal communication strengths in English, with an established history breaking down complex, multi-tiered project tracks into scannable development sprints across global teams.
• Location Context: Position operates under remote guidelines open exclusively to qualified software engineers residing permanently within Canada .

Preferred Strategic Indicators (Nice to Have)

• Prior platform or consulting history building core transaction engines explicitly inside the consumer banking, point-of-sale financing, transaction routing, or credit card ledger sectors .
• Direct operational knowledge of financial compliance parameters, electronic fund transfers (ACH), card network protocols, or double-entry bookkeeping engineering logic.
• An adaptable engineering persona characterized by strong personal accountability, a commitment to high-quality code craftsmanship, and a desire to contribute actively to the surrounding peer community.

What We Offer

• Top-Tier Canadian FinTech Engineering Remuneration Matrix: A highly competitive annual base salary scale of $133,000 — $183,000 CAD calibrated precisely to your job-related skills and backend pedigree, augmented by lucrative equity rewards (Affirm Holdings, Inc.) and Employee Stock Purchase Plan (ESPP) setups.
• 100% remote workspace infrastructure autonomy anywhere within Canada, removing daily physical traffic commute friction entirely.
• High-Impact Credit Transformation Footprint: Elite career landmarks achieved by single-handedly engineering the financial systems and ledger rules backing a beloved, lasting consumer brand that is reinventing global credit structures.
• Comprehensive health preservation benefits, providing 100% subsidized medical, dental, and vision premium coverage for you and your eligible dependents.
• Access to generous Flexible Spending Wallets (stipends for technology setup, food delivery, and family-forming expenses), competitive holiday schedules, and an inclusive, remote-first engineering workspace that puts people first.