Software Engineer II, Backend (Virtual Cards)

United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, BiotechnologyIndustries

About Affirm and the Virtual Cards (VCN) Platform

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.

The Virtual Cards (VCN) Platform Engineering team powers all of Affirm's products that depend on one-time-use cards. Virtual cards enable consumers to leverage Affirm’s financial products at effectively any merchant that accepts card payments, supporting online ecommerce, physical instore, and digital wallet integrations such as Apple Pay and Google Pay. By providing the systems that bridge Affirm and external credit networks like Visa, the VCN Platform team is critical in enabling increased scale of Affirm’s network.

What You’ll Do

Participate in the design, development, and deployment of software systems and applications.
Collaborate with cross-functional teams to define software requirements and architecture.
Write clean, maintainable, and efficient code in programming languages such as Java, Python, C++, or others as required.
Optimize and refactor existing code to enhance performance and scalability.
Review code, provide feedback, and ensure adherence to best coding practices.
Analyze and troubleshoot complex technical issues.
Develop innovative solutions to meet business needs, focusing on robustness, security, and performance.
Implement and manage software testing and quality assurance processes.
Work closely with tech leads and cross-functional partners in product managers, designers, and analytics to deliver high-quality products.
Participate in Agile development practices, including sprint planning, daily stand-ups, and retrospectives.
Participate in on-call duties to support our application with the goal of reducing mean time to detection and mean time to resolution of incidents.

What We Look For

1.5+ years of experience in software development or engineering.
Builds trust and confidence with peers.
Strong communication and collaboration skills.
Proficiency in modern programming languages such as Java, Python, C#, or similar.
Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes).
Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development.
Strong understanding of software development methodologies (Agile, Scrum, DevOps).
Excellent problem-solving and analytical skills.
This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Preferred Skills

Experience with Checkout or checkout related products and UX
Background in fintech and financial services

Compensation & Benefits

Base Pay Grade: L
Equity Grade: 6
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.
Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000 USA base pay range (all other U.S. states) per year: $142,000 - $192,000

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

Health care coverage: Affirm covers all premiums for all levels of coverage for you and your dependents.
Flexible Spending Wallets: generous stipends for s

Skills

Java

Python

C++

Software Design

Software Development

Software Deployment

System Architecture

Code Optimization

Code Refactoring

Code Review

Troubleshooting

Agile Development

On-call Support

Quality Assurance

Testing

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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