Software Engineer II, Backend (Credit Decisioning)

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 focuses on building the foundations and credit levers for scaling underwriting and providing responsible access to credit, while collaborating with cross-functional partners to ensure significant business impact. Responsibilities 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 Skills 1.5+ years of experience as a software engineer Experience designing, developing and launching backend systems Proficient in one of Python or Kotlin Familiar with the building blocks of distributed systems Familiar with technologies like AWS, MySQL and Kubernetes Ability to take a simple problem or business scenario into a solution that interacts with multiple software components Ability to write clear, easily understood, well tested and extensible code Comfortable navigating a large code base and debugging others' code Ability to provide feedback to other engineers through code reviews Demonstrated ownership of personal growth and proactive seeking of feedback Strong verbal and written communication skills that support effective collaboration with a global engineering team Benefits Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount Company Overview Affirm 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