Full-Time

Software Engineer I

Merchant Data Platform

Confirmed live in the last 24 hours

Affirm

Affirm

1,001-5,000 employees

Provides buy now, pay later financing solutions

Compensation Overview

$102k - $142k/yr

+ Equity Rewards

Entry, Junior

Remote in Canada

Candidates must be located in Canada to apply for this remote position.

Category
Backend Engineering
Software Engineering
Required Skills
Kotlin
Kubernetes
Python
MySQL
AWS
Requirements
  • 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, and the technologies like AWS, MySQL and Kubernetes
  • mastered taking a simple problem or business scenario into a solution that interacts with multiple software components
  • comfortable navigating a large code base, debugging others' code, and 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
Responsibilities
  • work on tasks that contribute to the team's projects and goals
  • work collaboratively and proactively with your team and stakeholders
  • bring 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 Affirm's financing. Additionally, Affirm offers a merchant dashboard for transaction processing and promotional tools to help businesses market these financing options effectively. The goal of Affirm is to empower consumers with flexible payment solutions 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 Jobs

Simplify's Take

What believers are saying

  • Affirm's stock rose by 7%, indicating positive investor sentiment and growth potential.
  • Expansion into Canada with Williams-Sonoma and Kayak boosts Affirm's North American presence.
  • Affirm's flexible payment solutions align with increasing consumer demand for BNPL options.

What critics are saying

  • Klarna's new BNPL card could intensify competition for Affirm in the payment space.
  • Sezzle's lawsuit against Shopify highlights potential regulatory challenges in the BNPL sector.
  • FIS's real-time risk negotiation model may disrupt Affirm's traditional BNPL services.

What makes Affirm unique

  • Affirm offers transparent installment loans with no hidden fees, unlike traditional credit cards.
  • Affirm partners with over 2,000 merchants, enhancing its reach in various retail sectors.
  • Affirm's user-friendly APIs enable seamless integration with merchants' sales platforms.

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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

Headcount

6 month growth

10%

1 year growth

6%

2 year growth

4%
PYMNTS
Jun 10th, 2025
Sezzle Lawsuit Accuses Shopify Of Stifling Bnpl Options

The lawsuit, filed Monday (June 9) in the U.S. District Court for the District of Minnesota, accuses Shopify of engaging in monopolistic and anticompetitive practices to limit competition for buy now, pay later (BNPL) options on its platform. Sezzle said in a news release that it is seeking an injunction to block Canada-based Shopify from continuing this alleged conduct, with the suit asking for treble damages, or damages three times the amount awarded by a jury. “Sezzle remains committed to fostering a competitive, transparent, and consumer-friendly payments ecosystem,” Sezzle Chairman and CEO Charlie Youakim said in the release

PYMNTS
Jun 9th, 2025
Fis Says Risk Negotiation At The Point Of Sale Is New Merchant-Issuer Model

Even with all the innovation seen lately in the banking, payments and digital economy sectors, new business models are hard to come by. Features and slight tweaks? The industry builds on them every day. That’s why when real-time data and cloud analytics are giving merchants and card issuers new ways to say “yes” at the checkout, a straight line from innovation to sales is clearly drawn. Turning what were once declined transactions into completed sales and stronger customer relationships — now that’s a new business model.“Historically, all of the decisioning around transaction authorization sat in the risk department of issuers,” Jim Johnson, co-president of FIS’s Banking Solutions division, said in a recent interview with Karen Webster. “The model now is being tested to be more of a risk negotiation at the point of sale.”. Johnson’s comments come as FIS unveils a partnership with Kipp, a collaboration platform that lets card issuers and merchants agree in real time to authorize debit transactions even when an account lacks sufficient funds

PYMNTS
Jun 6th, 2025
Fintech Ipo Index Starts June Up 0.8% As Robinhood Surges On Uk Expansion

Robinhood’s browser-based desktop trading platform is now available to customers in the United Kingdom. First introduced last year, Robinhood Legend is designed for active traders and is available at no added cost to anyone with a Robinhood account. Robinhood launched Legend in the United States in October as part of a wider slate of new products. The company debuted Robinhood Strategies, a wealth management service aimed at its less wealthy clients, in March. At the same time, the company introduced Robinhood Banking, a banking platform featuring checking and savings accounts. Robinhood’s stock gathered 13.4%.Meanwhile, Affirm’s stock rose by 7%

PYMNTS
Jun 3rd, 2025
New Klarna Card Marries Bnpl Flexibility To Visa Debit Rails

Klarna is piloting a card that spends like debit but can flip into pay later mode, extending the buy now, pay later (BNPL) model from the checkout screen to the in-store experience. Unveiled Tuesday (June 3) at Money20/20 Europe, the Klarna Card is built on Visa’s Flexible Credential, a network capability that lets a single piece of plastic surface multiple funding sources, Klarna said in a Tuesday press release provided to PYMNTS. Issued by WebBank and housed in a Federal Deposit Insurance Corp.-insured wallet, the card lets testers in the United States pay from stored cash or activate Klarna’s Pay in 4 and pay later plans at any of the over 150 million merchants that already accept Visa. A wider launch in the U.S. and Europe is slated for later this year, the release said. More than 5 million consumers have joined the waitlist

The Motley Fool
Jun 2nd, 2025
Costco Wholesale's Sales Are Increasing Modestly, But 1 Part of the Business Is Gaining Much Faster

This is why Costco recently partnered with Affirm.