Affirm

Senior Software Engineer, Backend (ML Platform)

United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Credit & Lending, Machine Learning PlatformsIndustries

Position Overview

  • Location Type: Remote
  • Job Type: Full-time
  • Salary: Not specified

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. The ML Platform team is on a mission to build the core infrastructure that powers Affirm's intelligence. Affirm uses machine learning to assess and approve each BNPL transaction. Affirm’s ML models answer questions like: is the applicant willing and able to repay this loan?

The role of the ML Platform team is to build the compute platform for training and serving all of Affirm's ML models and features. Online, we operate a feature store and model server that enable real-time feature computation and model scoring. Offline, we manage an environment for running large scale model training and data analysis.

Requirements

  • 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.
  • Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple, and extensible design.
  • Writes high-quality code that is easily understood and used by others.
  • Proficient at making significant changes in a large code base and has developed a suite of tools and practices that enable them and their team to do so safely.
  • Demonstrates a commitment to personal growth, proactively seeking feedback and guidance.
  • Strong verbal and written communication skills for effective collaboration with a global engineering team.

Responsibilities

  • Responsible for owning and delivering quarterly goals for the team.
  • Leads engineers through ambiguity to solve open-ended problems.
  • Ensures everyone is supported throughout the delivery process.
  • Supports product development by collaborating with product management, design, and analytics.
  • Participates in ideation, articulates technical constraints, and partners on decisions considering risks and trade-offs.
  • Proactively identifies project, process, technology, or business issues, advocates for them, and leads in solving them.
  • Supports the operations and availability of the team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” and on-call efforts.
  • Fosters a culture of quality and ownership on the team by setting or improving code review and design standards, and advocating for them beyond the team.
  • Helps develop talent on the team by providing feedback and guidance, and leading by example.

Application Instructions

  • Not specified in the provided text.

Skills

Python
Kotlin
AWS
MySQL
Kubernetes
Distributed Systems
Backend Development
System Design
Code Quality
Tools and Practices
Communication

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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