Affirm

Software Engineer II

United States

Not SpecifiedCompensation
Entry Level & New GradExperience Level
Full TimeJob Type
UnknownVisa
Financial Technology, Credit & LendingIndustries

Position Overview

  • Location Type: Remote
  • Employment Type: Full-time
  • Salary: Not specified

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 ML Platform team is on a mission to build the core infrastructure that powers Affirm's intelligence. Affirm uses machine learning to assess and approve each BNPL transaction. Affirm’s ML models answer questions like: is the applicant willing and able to repay this loan?

The role of the ML Platform team is to build the compute platform for training and serving all of Affirm's ML models and features. Online, we operate a feature store and model server that enable real-time feature computation and model scoring. Offline, we manage an environment for running large scale model training and data analysis.

Requirements

  • Experience: 1.5+ years of experience as a software engineer.
  • Programming Languages: Experience designing, developing, and launching backend systems and proficiency in either Python or Kotlin.
  • Distributed Systems Knowledge: Familiarity with the building blocks of distributed systems and technologies like AWS, MySQL, and Kubernetes.
  • Problem Solving: Ability to translate simple problems or business scenarios into solutions that interact with multiple software components and execute on them by writing clear, easily understood, well-tested, and extensible code.
  • Code Review & Collaboration: Comfortable navigating large codebases, debugging others' code, and providing feedback through code reviews.
  • Ownership & Growth: Demonstrates a commitment to personal growth, proactively seeking feedback and engaging in development activities.
  • Communication Skills: Strong verbal and written communication skills for effective collaboration with a global engineering team.

Responsibilities

  • Break down larger projects into individual tasks and deliver them in multiple phases.
  • Collaborate with product management, design, and analytics during the product development lifecycle.
  • Participate in ideation, articulate technical constraints, and partner on decisions considering risks and trade-offs.
  • Support the operations and availability of team artifacts by creating and monitoring metrics, escalating issues, and participating in on-call efforts.
  • Contribute to a sense of community on the team by engaging in growth and development activities, including participating in the interview process.

Application Instructions

  • Not specified. (Further details would be provided on the Affirm careers page.)

Skills

Python
Kotlin
Distributed Systems
AWS
MySQL
Kubernetes
Backend Development
Problem Solving
Code Review
Collaboration
Ownership
Communication

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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