Software Engineer, Affirm
Backend, Credit Engineering
$147-210k
+ ESPP; Salary dependent on location
POS installment loans
Be an early applicant
POS installment loans
1001+ employees
Be an early applicant
$147-210k
+ ESPP; Salary dependent on location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- You have 2+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin
- You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes
- You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others
- You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely
- Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders
- You have strong verbal and written communication skills that support effective collaboration with our global engineering team
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field
What the job involves
- Join the Credit Engineering group and partner with Product and Credit Risk to solve complex challenges on how to protect consumers from overextending themselves while enabling Affirm to be where consumers need us most
- As part of the team, you will focus on designing and implementing new features in our underwriting platform to support our partnered merchants and our users across a wide number of interfaces, including Affirm Card, ecommerce sites, and the app
- You will have a direct impact on the performance of Affirm as we look to continue to grow and expand the reach of Affirm in a safe and responsible way for our customers!
- You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery
- You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs
- You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them
- You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts
- You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks
- You will help develop talent on your team by providing feedback and guidance, and leading by example
Our take
Affirm offers point-of-sale loans to consumers, working with merchants like Shopify, KAYAK, and Walmart. Buy now, pay later transactions have grown in popularity in recent years, and this business is tapping into the market with a totally different approach to credit - by delivering the Affirm card, the first US debit card with the option to pay-over-time.
Boating over 15 million customers and 245,000+ merchants, the company offers flexible payback options, ranging from 3 to 36 months. The interest rates run between 0% and 30%, so, while they are not necessarily the cheapest option, Affirm prides itself on having no fees for late payments, no hidden charges, and total transparency about what people will pay before they take out a loan.
Affirm collects payments from the customers and pays the merchants directly, shouldering the risk itself. The company has boosted its market share, expanding its availability beyond the US to include most of Canada, and continues to launch new features and create new partnerships towards bettering its offering.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
-11% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Sep 2020
$500m
SERIES G
Apr 2019
$300m
SERIES F
Total funding: $1.1bn
Company benefits
- Spending wallets
- Supportive communities
- Remote-first workforce
- Generous time off
- Health benefits
- Mental healthcare
- Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
- We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- We offer 24 company-wide paid days off—which help our teams collectively pause to recharge
- Learning & development
Company values
- People Come First
- No Fine Print
- It's On Us
- Simpler is Better
- Push the Envelope
Company HQ
Chinatown, San Francisco, CA
Articles
Leadership
Max Levchin
(CEO)Has founded/co-founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. Also worked at large brands including Google, Yelp, Yahoo, and Evernote.
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