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Full-Time

Software Engineer II

Backend, Merchant Engineering

Confirmed live in the last 24 hours

Affirm

Affirm

1,001-5,000 employees

Provides buy now, pay later financing solutions

Data & Analytics
Consulting
Fintech
Financial Services
Consumer Goods

Compensation Overview

$125k - $175kAnnually

+ Equity Rewards + Monthly Stipends for Health, Wellness and Tech Spending

Mid

Remote in Canada

Category
Backend Engineering
Software Engineering
Required Skills
Kotlin
Sentry
Python
MySQL
Elasticsearch
Requirements
  • 2-4+ years of experience as a software engineer
  • You have a proven track record of developing, testing, and shipping high-quality software at scale
  • Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana)
  • Experience with building Python, Kotlin APIs is a plus
  • Experience with mySQL or ElasticSearch is a plus
  • Experience building thoughtfully designed, highly performant interfaces
  • Product-centric thinking -- we care just as much about the product experience (ours, our stakeholders', and our company's) as we do the design of our engineering systems.
  • You enjoy leading technical architecture discussions and drive technical decisions within your team and beyond
  • You communicate clearly both verbally and in writing. If anything, you trend towards over-communication.
Responsibilities
  • Technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems
  • Participating in the strategic development of methods, techniques, and evaluation criteria for projects and programs
  • Actively owning the merchant data platform and defining its long-term health, while also improving the health of surrounding systems
  • Collaborating with engineers within our team and across the organization
  • Improving engineering standards, tooling, and processes throughout the organization

Affirm provides point-of-sale financing solutions as an alternative to traditional credit cards. Its main service is the "buy now, pay later" (BNPL) model, which allows consumers to make purchases and pay for them over time through installment plans, often without hidden fees. Affirm partners with merchants to integrate its payment solutions into both online and in-store shopping experiences, using user-friendly plugins and APIs. This integration requires minimal technical effort from merchants. Affirm generates revenue through interest and fees on the loans it offers to consumers, as well as fees from merchants who use its services. Additionally, it provides a merchant dashboard for transaction processing and marketing support, helping businesses increase conversion rates and enhance customer purchasing power. The goal of Affirm is to offer flexible payment options that benefit both consumers and merchants in the e-commerce and retail markets.

Company Stage

IPO

Total Funding

$2.9B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights
Headcount

6 month growth

4%

1 year growth

3%

2 year growth

-11%
Simplify Jobs

Simplify's Take

What believers are saying

  • Affirm's partnerships with major brands and events, like the Austin Marathon, enhance its visibility and consumer trust.
  • The company's IPO and subsequent market performance indicate strong investor confidence and growth potential.
  • Affirm's integration with Apple's new installment loan offerings could significantly expand its user base and market reach.

What critics are saying

  • New CFPB regulations could impose additional compliance costs and operational burdens on Affirm, affecting profitability.
  • Data breaches, such as the recent Evolve Bank incident, pose significant risks to consumer trust and data security.

What makes Affirm unique

  • Affirm's seamless integration with both online and in-store shopping experiences sets it apart from other BNPL providers who may focus solely on e-commerce.
  • The dual revenue stream from both consumer interest/fees and merchant fees provides a robust financial model, unlike competitors who may rely on a single revenue source.
  • Affirm's user-friendly plugins and APIs make it easier for merchants to adopt their payment solutions, reducing technical barriers to entry.

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.