Software Engineer, Affirm
Merchant Risk Intelligence & Platform
$142-192k
Salary is dependent on location; + An employee stock purchase plan enabling you to buy shares of Affirm at a discount
POS installment loans
Open for applications
POS installment loans
1001+ employees
Open for applications
$142-192k
Salary is dependent on location; + An employee stock purchase plan enabling you to buy shares of Affirm at a discount
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- You have a total of 1.5+ years of experience as a software engineer
- You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes
- You have experience designing, developing and launching APIs at scale using languages like Python or Kotlin
- You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code
- You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews
- 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
- At the Merchant Engineering team, we make products that are a joy for developers to integrate, thus making it easy for Merchants and Partners to unlock the value of being part of the Affirm network
- Our goal is to build a flexible, scalable, robust platform to provide the best possible purchasing experience be it online or in-store
- The purpose of the Merchant Risk Intelligence & Platform (MRIP) team is to build functionalities that automate merchant risk assessment, throughout their lifecycle within Affirm
- We create the necessary backend platform and by combining it with work of multiple other cross functional teams spanning all of Affirm, enable our ML engineers to build models that help automate decision making
- Whether it’s about onboarding a new merchant, or constantly monitoring for trends, our team is responsible for making sure Risk is properly managed and the experience for merchants in the process is as smooth and thorough as possible
- With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work
- 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 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 contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process
- Work hand in hand with ML engineers to ensure an effective, accurate & explainable decision making process for merchants @ Affirm
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 HQ
Chinatown, San Francisco, CA
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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