Software Engineer II, Backend (Consumer Authentication)

Canada

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Consumer FinanceIndustries

Requirements

Candidates should have at least 2 years of experience as a backend/server-side software engineer and proficiency in designing, developing, and launching scalable backend systems using Kotlin or other JVM languages. Essential skills include proficiency in Kotlin and/or Java/JVM with their associated backend ecosystem (database access, dependency injection, build tools, testing), experience delivering major features or system components, and a proven ability to design and build distributed systems, real-time scalable web services, and REST APIs. Experience with data frameworks like Spark, Kafka, Kubernetes, and Airflow is also required, along with strong unit and integration testing skills and excellent communication abilities. The ideal candidate is a self-driven, humble team player who takes ownership of complex problems.

Responsibilities

The Software Engineer II will work closely with the Consumer Authentication team, including Product Managers, Engineering Managers, and Technical Leads, to execute projects aligned with the team's roadmap. Responsibilities include generating simple and elegant designs, writing high-quality, understandable code, and collaborating with cross-functional engineering teams and other organizations on the design, implementation, rollout, and maintenance of projects. The role also involves participating in agile ceremonies such as Sprint Planning and Daily Stand-ups, building optimizations through experimentation, and improving conversion metrics.

Skills

Backend development

Server-side engineering

Kotlin

Java

JVM

Database access

Dependency Injection

Gradle

Maven

Testing

System design

API development

Security

Fraud detection

Account recovery

Account management

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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