Remote opportunity at
AffirmSenior Software Engineer, Backend (Card Loan Platform)
Affirm is offering a remote-first opportunity for a Senior Software Engineer, Backend (Card Loan Platform) to help build the transaction decision engine for its card products.…
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About This Role
Affirm is offering a remote-first opportunity for a Senior Software Engineer, Backend (Card Loan Platform) to help build the transaction decision engine for its card products. In this role, you will be on the critical path for every swipe, designing high-availability services that handle real-time approvals, originations, and refunds in milliseconds. The Card Loan Platform team creates the distributed systems and invisible infrastructure that ensure each pay-later transaction is backed…
Job Description
Affirm is offering a remote-first opportunity for a Senior Software Engineer, Backend (Card Loan Platform) to help build the transaction decision engine for its card products. In this role, you will be on the critical path for every swipe, designing high-availability services that handle real-time approvals, originations, and refunds in milliseconds. The Card Loan Platform team creates the distributed systems and invisible infrastructure that ensure each pay-later transaction is backed by its own unique loan. This position is ideal for an experienced engineer who enjoys solving complex technical problems at scale and collaborating across multiple departments including product, data science, analytics, design, legal, and accounting.
As part of the team, you will steer technical strategy, plan project execution, design micro-services and event-driven architectures, and maintain system health. Affirm operates as a remote-first organization where most jobs can be performed from nearly anywhere within the country of employment, though new hires will attend an in-person onboarding experience and some roles may occasionally require office visits. The compensation package includes base pay, equity rewards, monthly stipends for wellness, tech, and health, plus 100% subsidized medical, dental, and vision coverage for employees and their dependents. Affirm values inclusivity and provides interview accommodations for candidates with disabilities.
Responsibilities
- Drive technical strategy by leading project planning, prioritization, and execution aligned with business and product goals
- Lead end-to-end system design and development for large-scale, high-availability services, APIs, and data models
- Collaborate across functional partners including Product, Analytics, Design, Legal, and Accounting to execute card loan attribution and lifecycle strategies
- Ensure system health and performance by analyzing technical issues, optimizing code, and promoting long-term scalability
- Mentor junior engineers, guide technical discussions, lead design reviews, and champion best practices through code reviews
Requirements
- Bring at least five years of experience in software engineering or development with a strong grasp of system design and architecture
- Demonstrate motivation as a leader who fosters continuous learning and team growth
- Communicate complex ideas clearly to diverse audiences
- Apply strong analytical and problem-solving skills with a creative, solution-oriented mindset
- Show proficiency in modern programming languages such as Python or Kotlin
- Possess experience with cloud platforms like AWS, Azure, or Google Cloud, alongside containerization tools like Docker and Kubernetes
- Demonstrate knowledge of SQL or NoSQL database systems, web frameworks, and RESTful API development
Qualifications
- Hold a Bachelor’s degree in a related field or possess equivalent practical experience
Core Skills
Benefits
- 100% subsidized medical coverage for employees and dependents
- Dental and vision coverage for employees and dependents
- Monthly spending stipends for tech setup and health and wellness options
- Flexible time off and generous holiday calendars
- Employee stock purchase plan to buy company stock at a discount
Frequently Asked Questions
Is this position remote?
Yes, Affirm is a remote-first company and this role can be performed from almost anywhere within the country of employment, though new hires attend an in-person onboarding experience and some positions may occasionally require office visits.
What is the salary range for this role?
The base pay range for USA Pacific states (CA, WA, NY, NJ, CT) is $195,000 to $255,000, while the Sapphire range for all other U.S. states is $173,000 to $233,000. Total compensation also includes equity and benefits.
What are the core experience requirements?
Candidates must have five or more years of experience in software development or engineering with a deep understanding of system design, proficiency in languages like Python or Kotlin, cloud platform experience, and knowledge of databases and RESTful APIs.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.