Join Affirm as a Senior Software Engineer to build the financial brain for our card products in a fully remote environment.
Posted by employer 10 hours ago
First seen on Joblaze 1 hour ago
Last verified on the company career page 1 hour ago
Skills & Technologies
What you'll build
- Drive technical strategy
- Lead system design and development
- Collaborate with cross-functional teams
- Analyze and troubleshoot technical issues
- Mentor junior engineers
Must have
- 5+ years of experience in software development
- Deep understanding of system design and architecture
- Proficiency in modern programming languages such as Python or Kotlin
- Experience with cloud platforms and containerization
- Knowledge of database systems and RESTful API development
Requirements
- Experience
- 5+ years
- Education
- Bachelor's degree
Not disclosed in this posting: visa sponsorship.
Benefits
Joblaze summary
In this role, the Senior Software Engineer will focus on designing and developing the backend systems that power Affirm's card loan platform, ensuring high availability and performance. Key skills include proficiency in modern programming languages like Python or Kotlin, experience with cloud services, and a solid understanding of system architecture. This position is ideal for someone with over five years of experience who can lead technical discussions and mentor junior engineers. The team is integral to Affirm's growth, tackling complex challenges in a fast-paced environment.
Joblaze insights
- Listed today — first seen on Joblaze October 3, 2026. Last confirmed on Affirm's careers page October 3, 2026.
- Salary band is in line with the typical range for Backend roles (median ~$180,000).
- Starts above 48% of 149 comparable senior backend roles in United States that list Python we track (median $173,000 across 63 companies). See Python salary trends
- Python appears in 41.5% of 492 comparable senior backend roles in United States; NoSQL appears in 1.4% of 492 comparable senior backend roles in United States.
Quick facts
- Is the Senior Software Engineer, Backend (Card Loan Platform) role remote?
- Yes — Affirm lists this as a fully remote position.
- What's the salary range?
- Affirm lists $173,000–$255,000 for this role.
- How much experience is required?
- At least 5 years of relevant experience for this Senior Software Engineer, Backend (Card Loan Platform) role.
- What's the tech stack?
- Joblaze extracted these technologies from the posting: AWS, Azure, Docker, Google Cloud, Kotlin, Kubernetes.
- What seniority level is this role?
- Affirm targets senior candidates for this position.
- Is this full-time or contract?
- Full-time for this Senior Software Engineer, Backend (Card Loan Platform) role at Affirm.
From the original posting
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
The Card Loan Platform team builds the high-throughput decision engine at the heart of Affirm’s card products. Unlike traditional cards, every pay-later transaction is backed by its own unique loan, and our system is the "invisible piping" that makes this complex model work at scale. Every swipe triggers our platform to solve a hard problem in milliseconds: matching messy, fragmented payment network data to the correct loan to drive real-time approvals, origination, and refunds.
As Affirm experiences explosive growth, our team's contributions are a key enabler. This isn't just another backend role; you'll be building the "financial brain" for our flagship card products, with your work on the critical path for every single swipe. We're tackling a unique, high-stakes distributed systems challenge that demands exceptional correctness and massive scale. You will partner closely with product, data science, and engineering teams to design and build the future of our industry-leading money movement platform.
If you are passionate about making foundational design decisions and building a beloved, lasting financial brand—come join us. It’s going to be an amazing ride!
What you'll do
- Drive technical strategy by leading the planning, prioritization, and execution of projects, ensuring alignment with product, technical, and business goals.
- Lead the end-to-end system design and development of large-scale, high-availability services. This includes building robust APIs and data models for our micro-service and event-driven architectures.
- Collaborate across functions with partners in Product, Analytics, Design, Legal, and Accounting and to define requirements and execute our card loan attribution and lifecycle strategy.
- Ensure system health and performance by analyzing and troubleshooting complex technical issues, optimizing existing code, and driving solutions that focus on long-term robustness and scalability.
- Mentor and grow the team by guiding junior engineers, leading technical discussions and design reviews, and championing best practices through code review.
What we look for
- 5+ years of experience in software development or engineering, with a deep understanding of system design and architecture.
- Motivated leader, inspiring team growth and fostering a culture of continuous learning
- Excellent communicator, adept at sharing complex ideas with diverse audiences.
- Strong analytical and problem-solving skills, with a creative and solution-oriented mindset.
- Proficiency in modern programming languages such as Python, Kotlin, or similar.
- Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes).
- Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development.
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field.
Base Pay Grade - N
Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)USA Pacific base pay range (CA, WA, NY, NJ, CT): $195,000 - $255,000
USA Sapphire base pay range (all other U.S. states): $173,000 - $233,000
Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.
Standard company text repeated across Affirm's postings is omitted here.