Senior Software Engineer, Backend (Consumer Payments)

United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Consumer PaymentsIndustries

Requirements

Candidates should have 4+ years of experience designing, developing, and launching backend systems at scale using languages like Python or Kotlin. A track record of developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes is required. Experience defining technical plans for significant feature delivery with elegant, simple, and extensible designs is necessary. Proficiency in making significant changes in large codebases and developing tools for safe modifications is essential. Strong verbal and written communication skills for global collaboration are also required. A Bachelor's degree in a related field or equivalent practical experience is needed.

Responsibilities

The Senior Software Engineer will be responsible for owning and delivering quarterly goals, leading engineers through ambiguity, and solving open-ended problems. They will support the product development lifecycle by collaborating with product management, design, and analytics, articulating technical constraints, and partnering on decisions. Proactively identifying and solving project, process, technology, or business issues is expected. Supporting the operations and availability of team artifacts through monitoring metrics and on-call efforts is also a key responsibility. Fostering a culture of quality and ownership by setting code review and design standards, and developing talent through feedback and guidance are crucial aspects of the role.

Skills

Backend Development

Payment Processing

High Throughput Systems

High Availability Systems

System Design

Metrics Monitoring

Code Review

Technical Leadership

Problem Solving

Collaboration

Affirm

Provides buy now, pay later financing solutions

About Affirm

Affirm offers point-of-sale financing solutions as an alternative to traditional credit cards. It allows consumers to make purchases and pay over time through installment plans, often without hidden fees or deferred interest. Affirm partners with merchants to integrate its payment solutions into online and in-store shopping experiences, using user-friendly plugins and APIs. The company generates revenue from interest and fees on loans to consumers, as well as fees from merchants for offering its financing options. Affirm also provides a merchant dashboard for transaction processing and promotional tools to help businesses market these financing options effectively. The goal of Affirm is to empower consumers with flexible payment options while providing value to merchants in the e-commerce and retail markets.

San Francisco, CaliforniaHeadquarters

2012Year Founded

$1,113.8MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses

Supportive communities: Get involved with our employee resource groups and community groups

Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country

Generous time off: Take the time you need when life happens

Health benefits: Get a plan that fits your needs

Mental healthcare: Take care of your mind with great mental health programs

Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.

Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.

Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.

Learning & development: Engage in exciting learning programs to level up your growth.

Risks

Increased CFPB regulation could raise compliance costs for Affirm.

Affirm faces competition from new entrants in the BNPL market.

Reliance on partners like Adyen and Apple poses potential revenue risks.

Differentiation

Affirm offers transparent installment loans with no hidden fees or surprises.

Affirm partners with over 2,000 merchants, including major retail brands.

Affirm's user-friendly APIs enable seamless integration with online and in-store platforms.

Upsides

Affirm's partnership with Adyen expands its reach in North America.

Affirm's $4 billion partnership with Sixth Street boosts financial stability.

Affirm's BNPL services gain traction among high-income consumers.

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