Affirm

Senior Staff Software Engineer, Backend (Checkout Engineering)

United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Fintech, Credit & PaymentsIndustries

Position Overview

  • Location Type: Remote
  • Job Type: Full-time
  • Salary: Base Pay Grade - R (Details regarding equity and stipends are provided separately)

Description: 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. Affirm is looking for a Senior Staff Software Engineer to take on a key role in defining the technical direction and foster innovation across the Checkout engineering organization. You’ll collaborate with engineering leaders, cross-functional teams, and stakeholders to build scalable, reliable, and high-performing solutions. You'll help shape best practices, guide architectural choices, and drive the successful delivery of critical initiatives. This role requires a high level of technical ability, leadership skills, strong cross-functional communication, and a creative mindset. Checkout is responsible for shaping customer experience across the journey from first touch to finalizing a purchase. In this role, you will need to gain a deep understanding of the business, product, and engineering context, and utilize that context to define the requirements, vision, and roadmap of the Checkout area. You will lead the team to influence and align with business stakeholders and engineering partners, and deliver the vision over multiple years in incremental milestones.

Requirements

  • Experience: 12+ years of relevant Software Engineering experience
  • Technical Skills:
    • Kotlin development experience (preferred)
    • Python or Kotlin expertise preferred
  • Soft Skills:
    • Passionate about Affirm's Mission: "Deliver Honest Financial Products that improve lives"
    • Enjoys cross-team collaboration, especially with product managers and designers
    • Cares about the details in the user experience
    • Excellent written and verbal communication, especially in asynchronous formats (RFCs, design docs, project plans)
  • Education: Equivalent practical experience or a Bachelor’s degree in a related field.

Responsibilities

  • Define the multi-year, multi-team technical strategy and deliver it through direct implementation and broad technical leadership.
  • Architect and build next-generation Purchasing services, ensuring high availability and low latency to support Affirm’s financial products.
  • Influence and align with cross-functional leaders across the organization, guided by deep domain context and engineering expertise.
  • Mentor engineers and advocate for engineering excellence, influencing best practices across teams.
  • Navigate ambiguity, bringing clarity to complex engineering, product, and business discussions.

Company Information

  • Company: Affirm
  • Mission: Deliver Honest Financial Products that improve lives.
  • Compensation:
    • Base Pay Grade: R
    • Equity Grade: 15
    • Note: Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health.

Skills

Kotlin
Python
Software Engineering
Cross-Functional Collaboration
Technical Leadership
Architectural Design
Scalability
Reliability
High-Performance Systems
User Experience

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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