Software Engineer, Early Career at Affirm

San Francisco, California, United States

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Not SpecifiedCompensation

Entry Level & New GradExperience Level

Full TimeJob Type

UnknownVisa

FintechIndustries

Requirements

Bachelor’s degree in computer science or related field, or equivalent practical experience
Mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, executing by writing clear, easily understood, well-tested, and extensible code
Comfortable navigating a large code base, debugging others' code, and providing feedback through code reviews
Demonstrated ownership of personal growth, proactively seeking feedback from team, manager, and stakeholders
Strong verbal and written communication skills for effective collaboration with a global engineering team
Recent graduate or early career status with a computer science or related major

Responsibilities

Work on tasks that contribute to the team's projects and goals, with team support
Collaborate and communicate proactively with team and stakeholders, creating visibility and dialog on risks and trade-offs
Balance speed and quality in work to meet business goals while protecting systems from downtime
Contribute to team community through engagement in growth and development activities

Skills

Key technologies and capabilities for this role

Software EngineeringCode WritingTestingDebuggingCode ReviewLarge Codebase Navigation

Questions & Answers

Common questions about this position

What is the base pay range for this Software Engineer position?

For CA, WA, NY, NJ, CT, the base pay range is $130,000 - $170,000 per year. For all other U.S. states, it is $115,000 - $155,000 per year. New employees typically start at the beginning of the pay range, with total compensation including equity, stipends, and benefits.

What is the work arrangement for this early career program?

It's a hybrid program requiring in-person collaboration 3 days a week in New York City or San Francisco offices. After one year, you can remain hybrid, go fully remote, or stay in the office.

What skills are required for this Software Engineer role?

Candidates need to master turning simple problems into solutions with clear, well-tested code; navigate large codebases, debug, and do code reviews; take ownership of growth by seeking feedback; and have strong communication skills. A Bachelor’s degree in a related field or equivalent experience is required.

What benefits does Affirm offer?

Benefits include 100% subsidized medical coverage, dental, and vision for you and your dependents, plus monthly stipends for health, wellness, and tech spending, along with equity rewards.

What makes a strong candidate for this early career Software Engineer role?

Strong candidates are recent graduates with a computer science or related major who excel at writing clear, testable code, navigating codebases, seeking feedback proactively, and communicating effectively. Experience across different tech stacks is welcomed to find the best team fit.

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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