Full-Time
Affirm
1,001-5,000 employees
Provides buy now, pay later financing solutions
Compensation Overview
$115k - $170k/yr
Entry, Junior
Company Historically Provides H1B Sponsorship
Remote in USA
Candidates can work almost anywhere within the country of employment (USA).
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- previous work or internship experience designing, developing and launching backend systems at scale
- experienced using one of Python or Kotlin
- familiar with the building blocks of distributed systems
- familiar with technologies like AWS, MySQL and Kubernetes
- mastered taking a simple problem or business scenario into a solution that interacts with multiple software components
- executing on it by writing clear, easily understood, well tested and extensible code
- comfortable navigating a large code base
- debugging others' code
- providing feedback to other engineers through code reviews
- strong verbal and written communication skills that support effective collaboration with our global engineering team
- either equivalent practical experience or a Bachelor’s degree in a related field
- work on tasks that contribute to the team's projects and goals
- work collaboratively and proactively with your team and stakeholders
- create visibility and dialog regarding the risks and trade-offs related to your work
- strike the right balance of speed and quality in your work
- ensure that we hit our business goals while protecting our systems from downtime
- contribute to a sense of community on your team by engaging in growth and development activities
Affirm provides point-of-sale financing solutions as an alternative to traditional credit cards. It allows consumers to make purchases and pay over time through installment plans, often without hidden fees or deferred interest. Affirm partners with merchants to integrate its payment options into online and in-store shopping experiences, using user-friendly plugins and APIs. The company earns revenue from interest and fees on loans to consumers, as well as from merchants who pay to offer these financing options. Affirm also offers a merchant dashboard for transaction processing and promotional tools to help businesses market their financing solutions effectively. The goal of Affirm is to empower consumers with flexible payment options while providing value to merchants in the e-commerce and retail markets.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
Simplify's Take
What believers are saying
- Partnership with J.P. Morgan Payments expands Affirm's reach to more U.S. merchants.
- Collaboration with FuturHealth opens new revenue streams in the healthcare sector.
- Expansion into the U.K. through Adyen partnership increases international market presence.
What critics are saying
- Increased competition from Klarna could threaten Affirm's BNPL market share.
- UK regulatory challenges may impact Affirm's expansion with Adyen.
- Reporting all payment plans to Experian may lead to consumer backlash.
What makes Affirm unique
- Affirm offers transparent, fee-free installment loans unlike traditional credit cards.
- Affirm partners with over 2,000 merchants, enhancing consumer purchasing power at checkout.
- Affirm's user-friendly APIs enable seamless integration for merchants across web, mobile, and in-store.
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Benefits
Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
Supportive communities: Get involved with our employee resource groups and community groups
Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country
Generous time off: Take the time you need when life happens
Health benefits: Get a plan that fits your needs
Mental healthcare: Take care of your mind with great mental health programs
Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.
Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.
Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.
Learning & development: Engage in exciting learning programs to level up your growth.
Growth & Insights and Company News
6 month growth
↓ -2%1 year growth
↓ -2%2 year growth
↓ -4%FinTech IPO Index names were mostly in the red this past week, and the companies that did manage to post gains barely made it out of the low single-digit percentages. The majority of the headlines through the last several days were centered on partnerships tied to platforms, including buy now pay later, card issuing and banking initiatives. Insurance solutions firm Huize led the slide, down by nearly 16% through the past five sessions. Huize’s shares plummeted on the heels of its earnings report. The company’s investor materials revealed that gross written premiums facilitated across the company’s platform were the equivalent of $142.9 million in the fourth quarter of 2024, a decrease of 16.2% year over year. Renewal premiums accounted for 46.5% of total written premiums a decrease of 41.3% from the year ago period
The lure of paying over time lies with the predictability of the repayment. Consumers don’t think of pay later options as credit, at least not in the traditional sense. They see a finite timeline over weeks or months, and a point at which all has been paid off. As Affirm CEO Max Levchin told Karen Webster in a discussion featured during the Pay Later Unpacked event held by PYMNTS On Air, “the sense of clarity of when [payments] start and end is powerful… The appeal of pay later is not that it’s some cool way of borrowing money. It’s the sense of control around the schedule and the plan that you create.”
Buy now, pay later (BNPL) loan company Affirm has partnered with banking conglomerate JPMorgan Chase.
Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, announced today that it is deepening its multi-year agreement with J.P. Morgan Payments. The agreement will make Affirm’s solutions available to J.P. Morgan Payments’ network of merchants, enabling U.S. merchants using Commerce Platform to offer Affirm’s flexible and transparent pay-over-time plans at checkout.This collaboration comes at a time when consumer adoption of Affirm is rapidly increasing. More consumers than ever are ‘Affirming’ the purchases they want and need, with active consumers growing 23% YoY to a record 21 million and GMV surpassing $10B (up 35% YoY) in the quarter ending December 31, 2024.“The demand for diverse payment options, flexibility, and seamless transactions from both merchants and their customers is at an all-time high
Affirm is expanding its pay-later offering via a new agreement with J.P. Morgan Payments. With this partnership, announced Tuesday (March 25), Affirm’s solutions become available to merchants on the J.P. Morgan Payments network in the U.S., letting them offer the company’s buy now, pay later (BNPL) plans at checkout. According to the companies’ announcement, the collaboration is happening amid increased adoption of Affirm’s services, with its active customer numbers reaching a record 21 million, up 23% year over year