[Remote] Senior Software Engineer, Card Loan Platform at Affirm

United States

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Not SpecifiedCompensation

N/AExperience Level

N/AJob Type

Not SpecifiedVisa

N/AIndustries

Requirements

4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin
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
Proficiency in writing high quality code that is easily understood and used by others
Experience making significant changes in a large code base, and developing tools and practices to do so safely
Demonstrates ownership of personal growth, proactively seeking feedback
Strong verbal and written communication skills
Bachelor’s degree in a related field or equivalent practical experience

Responsibilities

Owning and delivering quarterly goals for the team
Leading engineers through ambiguity to solve open-ended problems
Ensuring everyone is supported throughout delivery
Supporting peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics
Articulating technical constraints and partnering on decisions that consider risks and trade-offs
Proactively identifying project, process, technology or business issues and advocating for them
Leading in solving identified issues
Supporting the operations and availability of team artifacts by creating and monitoring metrics
Escalating when needed and supporting "keep the lights on" & on-call efforts
Fostering a culture of quality and ownership on the team by setting or improving code review and design standards
Advocating for standards beyond the team through writing and tech talks
Helping develop talent on the team by providing feedback and guidance, and leading by example

Skills

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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