Software Engineer II, Backend (Trust and Safety Foundations)

United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

FintechIndustries

Requirements

You should have 1.5+ years of experience as a software engineer and a Bachelor’s degree in a related field or equivalent practical experience. You are proficient in backend development with Python or Kotlin and have designed, developed, and launched APIs at scale using these languages. You are familiar with distributed system building blocks and technologies such as AWS, MySQL, and Kubernetes. You can take simple problems or business scenarios and translate them into solutions that interact with multiple software components, writing clear, well-tested, and extensible code. You are comfortable navigating large code bases, debugging others' code, and providing feedback through code reviews. You demonstrate ownership of your growth by proactively seeking feedback from your team, manager, and stakeholders, and you have strong verbal and written communication skills for effective collaboration with a global engineering team.

Responsibilities

Break down larger projects into tasks, deliver them in multiple phases, and collaborate with teammates to ensure timely delivery. Support peers and stakeholders through the product development lifecycle by engaging with product management, design, and analytics to ideate, articulate technical constraints, and negotiate risks and trade-offs. Maintain the operations and availability of team artifacts by creating and monitoring metrics, escalating when needed, and supporting on-call duties. Contribute to team culture and growth by participating in interview processes and other development activities.

Skills

Identity management

Fraud prevention

External vendor integration

Rate limiting

State machine libraries

Risk evaluation

Backend development

Distributed systems

Monitoring and on-call

Reliability and scalability

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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