Software Engineer, Affirm
Backend, Fraud Decisioning
CA$125-175k
+ ESPP
POS installment loans
Open for applications
POS installment loans
1001+ employees
Open for applications
CA$125-175k
+ ESPP
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- You have a total of 2+ years of experience as a software engineer
- You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin
- You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes
- 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
- We are looking for a Software Engineer II to lead projects and initiatives on the Fraud Decisioning team. You’ll be responsible for building tools and systems that empower Affirm fraud fighting capabilities, work with cross-functional teams to adopt and monitor those and use analytics and data driven decisions to further improve the performance and quality of fraud deciders
- Our mission is to drive growth while protecting Affirm, buyers, and merchants. We achieve this by leveraging data to evaluate risk at critical points in the user journey, adapting to the ever-changing fraud landscape, and by introducing new fraud-fighting capabilities
- 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
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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