Full-Time
Affirm
1,001-5,000 employees
Provides buy now, pay later financing solutions
Compensation Overview
$102k - $142k/yr
Entry
Company Historically Provides H1B Sponsorship
Remote in Canada
Candidates must be located in Canada to apply for this remote position.
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- Previous work or internship experience designing, developing and launching backend systems at scale
- Experience using one of Python or Kotlin
- Familiarity with the building blocks of distributed systems and technologies like AWS, MySQL and Kubernetes
- Ability to take a simple problem or business scenario into a solution that interacts with multiple software components
- Experience writing clear, easily understood, well tested and extensible code
- Comfortable navigating a large code base, debugging others' code, and providing feedback through code reviews
- Demonstrated ownership of growth, proactively seeking feedback from team, manager, and stakeholders
- Strong verbal and written communication skills that support effective collaboration with a global engineering team
- Equivalent practical experience or a Bachelor’s degree in a related field
- Work on tasks that contribute to the team's projects and goals with the support of your team
- 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
- 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 sectors.
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 expands Affirm's merchant network and market reach.
- Collaboration with FuturHealth opens new healthcare market segment for Affirm.
- Expansion into the UK with Adyen partnership taps into European growth opportunities.
What critics are saying
- Increased competition from Klarna threatens Affirm's BNPL market share.
- Potential UK regulatory changes may impact Affirm's expansion with Adyen.
- Healthcare financing partnership exposes Affirm to regulatory and affordability risks.
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 seamless API integration simplifies merchant adoption of its BNPL services.
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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%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
What You Should Know: – FuturHealth, a provider of personalized weight-loss solutions partners with Affirm, the payment network that empowers consumers and helps merchants drive growth. – The collaboration will enable FuturHealth customers to use Affirm’s flexible, transparent pay-over-time options to purchase medications and wellness solutions.Flexible, Transparent Way to Pay Over Time for GLP-1 Medications and Wellness SolutionsNow, FuturHealth customers who are approved can finance the purchase of various weight-loss medications, including branded GLP-1 options such as Wegovy and Ozempic, as well as personalized meal plans, consultations, and lab services.These medications and wellness solutions have proven effective in managing weight and related health conditions but often come with a significant cost, sometimes exceeding $1000 per month. By integrating Affirm, FuturHealth aims to provide a more accessible and responsible way for customers to afford these important treatments and services.How it WorksApplying for Affirm is straightforward. During checkout on FuturHealth’s website, customers can select Affirm as their preferred payment method. They will then undergo a quick eligibility check. If approved, customers can choose from customized biweekly or monthly payment plans, with interest rates as low as 0% APR, and confirm their purchase.Affirm adheres to responsible lending practices, ensuring that customers are only approved for financing that Affirm believes they can repay. Furthermore, Affirm does not charge any late or hidden fees, providing customers with a transparent and predictable payment experience.AvailabilityCustomers can now visit FuturHealth’s website and select Affirm as a payment option when purchasing their weight-loss medications and services