[Remote] Software Engineer II, Backend (Credit Decisioning)

Note: The job is a remote job and is open to candidates in USA. Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The role involves developing new underwriting features and products within the Credit Core sub-team, collaborating with cross-functional partners to ensure timely delivery and scalability of underwriting decisions.ResponsibilitiesWith 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 workYou 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-offsYou 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 effortsYou will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview processSkillsYou have a total of 1.5+ years of experience as a software engineerYou have experience designing, developing and launching backend systems and are proficient in one of Python or KotlinYou are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and KubernetesYou 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 codeYou are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviewsYour experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholdersYou have strong verbal and written communication skills that support effective collaboration with our global engineering teamThis position requires either equivalent practical experience or a Bachelor's degree in a related fieldBenefitsHealth care coverage - Affirm covers all premiums for all levels of coverage for you and your dependentsFlexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expensesTime off - competitive vacation and holiday schedules allowing you to take time off to rest and rechargeESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discountCompany OverviewAffirm is a financial technology services company that offers installment loans to consumers at the point of sale. It was founded in 2012, and is headquartered in San Francisco, California, USA, with a workforce of 1001-5000 employees. Its website is https://www.affirm.com.Company H1B SponsorshipAffirm has a track record of offering H1B sponsorships, with 104 in 2025, 96 in 2024, 133 in 2023, 179 in 2022, 132 in 2021, 57 in 2020. Please note that this does not guarantee sponsorship for this specific role.



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