Affirm

Staff Software Engineer, Backend (Virtual Cards Platform)

United States

Affirm Logo
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Technology, Payments, Digital BankingIndustries

Requirements

Candidates should possess 7+ years of experience designing, developing, and launching backend systems at scale using languages like Python or Kotlin, along with an extensive track record of developing highly available distributed systems utilizing technologies such as AWS, MySQL, Spark, and Kubernetes. They should also have experience delivering major features, system components, or deprecating existing functionality through the definition of technical and execution plans, and write high-quality, easily understandable code. Furthermore, candidates should thrive in ambiguity and be comfortable moving from low-level language idioms to the architecture of large systems, demonstrating mastery in gathering and iterating on feedback from engineering and cross-functional peers. Experience in the card network landscape, specifically building and launching card products or adjacent payments technologies, is also required.

Responsibilities

As a Staff Software Engineer, Backend, you will be responsible for setting technical strategy for your team on a year-long time scale and collaborating with product management, design, and analytics to ensure technical sustainability, risks, and trade-offs are well understood and managed. You will act as a force-multiplier for your team by defining and advocating for technical solutions and operational processes, taking ownership of the team’s operations and availability through monitoring, triage rotations, playbooks, policies, testing, and alerting. You will foster a culture of quality and ownership by setting code review and design standards, advocating for them beyond your team, and helping develop talent on your team through feedback and guidance. You will also contribute to the development of talent on your team by providing feedback and guidance, and leading by example.

Skills

Python
Kotlin
AWS
MySQL
Spark
Kubernetes
Distributed Systems
Backend Development
System Design
High Availability
Monitoring
On-Call Operations
Code Quality
Technical Leadership

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.

Key Metrics

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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