Staff Software Engineer, Affirm
Backend, Credit Engineering
$171-284.9k
+ Stock options. Salary dependent on location
POS installment loans
Job no longer available
POS installment loans
1001+ employees
Job no longer available
$171-284.9k
+ Stock options. Salary dependent on location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- 6+ years of experience as a software engineer with leadership responsibilities
- Experience mentoring other engineers in a technical capacity through sharing your learnings and providing feedback that will help the team grow
- Proven track record of developing, testing, and shipping high-quality software at scale
- You enjoy leading technical architecture discussions and drive technical decisions within your team and beyond
- You communicate clearly both verbally and in writing. If anything, you trend towards over-communication
- Eagerness to learn new things and the curiosity to understand the unknown
- Familiarity with Python, AWS, Java/Kotlin, MySQL, Github is a plus
- Empathy to help support our partners and teammates
- Prior experience building, launching and maintaining consumer scale products
- Strong cross-team communication and collaboration skills
- Experience scaling systems in a service oriented architecture
What the job involves
- Join the Credit Engineering team 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 out of Affirm loans in a safe and responsible way for our customers!
- Design and build new features for our credit underwriting platform
- Lead technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems
- Participate in the strategic development of methods, techniques, and evaluation criteria for projects and programs
- Improve engineering standards, tooling, and processes throughout the organization
- Work with product managers and credit risk analysts to influence the strategy and delivery of the underwriting platform and its capabilities
- Work with technical leaders in the team to design and implement insightful, forward-looking approaches that go beyond the direct team and solve large open-ended problems
- Actively contribute to components of our underwriting system while also improving the health of surrounding systems
- Collaborate with engineers within our team and across the organization to build the next generation of the financial products
- Learn and improve engineering standards, tooling, and processes across the platform
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.
Boasting over 21M consumers and 337,000+ 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
- Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- 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
- Away Days: We offer 20 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
Company HQ
Chinatown, San Francisco, CA
Leadership
Max Levchin
(Co-Founder & 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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