Full-Time
Software Engineer 1
Backend
Posted on 4/8/2026
Affirm
1,001-5,000 employees
BNPL fintech offering merchant installment financing
Compensation Overview
$115k - $170k/yr
Company Historically Provides H1B Sponsorship
Remote in USA
Remote
Bachelor's
 Software Engineering (1) |
|---|
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- You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using one of Python or Kotlin.
- You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.
- You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
- You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
- Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
- You have strong verbal and written communication skills that support effective collaboration with our global engineering team.
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field.
- With the support of your team, you will work on tasks that contribute to the team's projects and goals.
- You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work.
- You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime.
- You will contribute to a sense of community on your team by engaging in growth and development activities.
Affirm provides point-of-sale financing (BNPL) for consumers and merchants in e-commerce and retail. At checkout, customers can pay over time through installment plans with transparent pricing and no hidden deferred interest in many cases. It integrates with online stores, mobile apps, and in-store checkout via plugins and APIs, and merchants can use a dashboard to process transactions and access marketing tools. Revenue comes from interest and fees on loans and from merchants who pay to offer Affirm financing, setting it apart from traditional credit cards and other BNPL providers by emphasizing installment-based, predictable repayment.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
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Simplify's Take
What believers are saying
- Q4 fiscal 2026 revenue reached $1.17 billion, up 33% year over year.
- Fiscal 2026 GMV hit $50.2 billion, and guidance exceeds $64 billion.
- Active merchants rose 51%, while active consumers climbed 21% in 2026.
What critics are saying
- Shepard v. Affirm remains active in 2026, targeting deceptive BNPL marketing.
- Affirm's Australia relaunch follows its 2023 exit, proving prior international losses.
- A CFPB adverse ruling reclassifies BNPL and cripples Affirm's underwriting model.
What makes Affirm unique
- Affirm underwrites each transaction in real time, unlike revolving credit cards.
- Shop Pay Installments in Australia extends Affirm through Shopify's highest-converting checkout.
- Michael Linford's 2026 promotion consolidates legal, compliance, revenue, and global markets.
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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
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↑ 0%Affirm stock surges 12% as strong results fuel breakout bets. Does Affirm's stock have a "breakout on tap"? Analysts have expressed this sentiment following the buy-now-pay-later firm's fiscal 2026 fourth-quarter results, which exceeded expectations, alongside a positive outlook. And it may have already begun: Affirm shares are soaring 12% early Friday, a day after the company posted fiscal fourth-quarter revenue of $1.17 billion, gross merchandise volume of $14.06 billion, and adjusted operating income of $353.4 million. All three figures exceeded the average projections of analysts. The move has the stock above $87 per share, marking its highest prices of the year. Affirm's report indicated a trajectory toward $112, representing an increase of over 40% from the previous day's closing price. "Affirm continues to distinguish itself from peers, with robust 36% year-over-year GMV growth," wrote William Blair analysts, who have an "outperform" rating on the stock. For the year, Affirm posted GMV of $50.17 billion, up 37% from fiscal 2025. "Affirm's growth can no longer be explained away by the novelty of our product, and our steady credit outcomes demonstrate our commitment to responsible growth with robust unit economics," founder and CEO Max Levchin said. For fiscal 2027, Affirm anticipates GMV of "more than $64 billion," surpassing the Visible Alpha consensus of $63.8 billion. William Blair's analysts indicated that guidance serves as "a conservative baseline."
Affirm topped fiscal fourth quarter earnings expectations, posting its 11th consecutive quarter of over 30% gross merchandise volume growth. The buy now, pay later company also reported 39% year-on-year revenue growth and expanded adjusted operating margins above 30%. COO Michael Linford, recently named president, said the business is "firing on all cylinders" with strong unit economics and operating leverage. Gap operating income grew by over 6 percentage points. Affirm is expanding its international presence, launching with Shopify in Australia after entering the UK market last year. Despite global expansion plans, North America remains the company's largest market. Linford characterised the US consumer as stable, citing strong employment and wage growth. Delinquency rates remained in line with the company's predictions, suggesting consistent consumer behaviour.
Affirm shares jumped 7% on Friday after the buy now, pay later company reported fourth-quarter revenue of $1.17 billion, beating the $1.11 billion estimate. The company forecast first-quarter revenue of $1.19 billion to $1.22 billion, above the expected $1.16 billion. CEO Max Levchin told CNBC that high petrol prices are weighing on US consumers. The national average petrol price stood at $4.09 per gallon on Friday, down from above $4.50 in May but still elevated. The price was last below $3 on 2 March. Levchin said inflation is driving more demand for Affirm's services as consumers budget more carefully. "They're more thoughtful about how they want to use the money, and we're there to help," he said.
Affirm Holdings shares jumped over 10% after the buy now, pay later firm's fourth-quarter results beat estimates. The company reported revenue of $1.17 billion, surpassing expectations of $1.11 billion, whilst net income reached $4.62 per diluted share versus the anticipated $0.85. Gross merchandise volume rose 36% to $14.1 billion, with annual GMV hitting $50.2 billion, up 37%. Active merchants grew 51% year-over-year to approximately 571,000. CEO Max Levchin highlighted significant growth potential, noting Affirm is available at only 80 of the top 250 e-commerce sites and has roughly 10% penetration across all e-commerce merchants. The company reported 27.8 million active consumers, up 21% year-over-year. For the next quarter, Affirm forecasts revenue between $1.19 billion and $1.22 billion.
Affirm (AFRM) stock pops 12% after blowout quarter - 11th straight GMV beat. Affirm (AFRM) stock jumped 12% in premarket trading after Q2 revenue hit $1.17B, GMV reached $14.1B, and EPS crushed estimates at $4.62. By Trader Edge August 28, 2026 3 Mins Read Tldr. * Affirm stock jumped 12% in premarket trading after Q2 FY2026 earnings beat Wall Street estimates across the board. * Revenue rose 33% year-over-year to $1.17 billion, beating analyst expectations of $1.11 billion. * Gross merchandise volume (GMV) hit $14.1 billion, topping the $13.4 billion consensus estimate. * GAAP EPS came in at $4.62, crushing analyst estimates of $0.35. * Affirm announced a new partnership with Shopify to launch Shop Pay Installments in Australia. Affirm (AFRM) stock surged 12% to $86.80 in premarket trading on Friday after the buy now, pay later company delivered a strong fiscal Q2 report that beat expectations across multiple metrics. Revenue for the quarter ended June 30 came in at $1.17 billion, up 33% year-over-year and ahead of the $1.11 billion Wall Street had forecast. That beat came in at 5.2% above consensus. GMV, the total value of transactions processed through Affirm's platform, jumped 36% to $14.1 billion. Analysts had expected $13.4 billion. Direct merchant point-of-sale integrations drove roughly half that growth. GAAP EPS landed at $4.62, far above analyst estimates of $0.35. Pre-tax profit hit $169.1 million, representing a 14.5% margin. Michael Linford, newly appointed company president, called the results a "home run." He pointed out this was the 11th straight quarter of GMV growth exceeding 30%. GAAP operating margins grew to 12.6%, up 6% from the same period last year. Guidance tops expectations. For Q3 CY2026, Affirm guided revenue to $1.21 billion at the midpoint, which is 3.6% above what analysts had penciled in at $1.16 billion. For the full fiscal year, the company expects GMV to exceed $64 billion, ahead of the $63 billion consensus. CEO Max Levchin has long targeted $100 billion in GMV, a milestone analysts expect by 2029. Susquehanna analyst James Friedman raised his price target to $110 from $105 and kept a Positive rating, calling the results and guidance "exceptionally strong." Fintech peers lag behind. Affirm's strong quarter stands out against a rough stretch for fintech peers. SoFi is down 27% in 2026, while Klarna has dropped nearly 52%. Affirm itself is up just 4.1% year-to-date, trailing the broader market, but this print could change that narrative. Jefferies analyst John Hecht noted that fintech stocks had already started outperforming the S&P 500 in the weeks leading up to earnings, gaining an average of 6.7% against the index's 3.2% rise. Linford credited strong consumer financial health for the results. Excluding Peloton and Pay in 4 loans, Affirm's 30-day delinquency rate rose 2.5% from last year, a deceleration from the 2.7% to 2.8% increases seen over the prior three quarters. Affirm also unveiled a new growth team led by Pat Suh, former SVP of revenue, to oversee its push into new markets. On the partnerships front, Affirm and Shopify announced the launch of Shop Pay Installments in Australia. Shop Pay Installments has been one of Shopify's most popular products in North America since its 2021 launch. Linford framed the Australia expansion as Shopify pulling Affirm into new markets, pointing to a similar UK expansion the two companies undertook last year. Affirm's annualized revenue growth over the last five years stands at 37.4%, with the last two years running at 35.4%. Stop guessing and start investing with confidence. KnockoutStocks gives you the AI insights, market intelligence, and stock research you need to spot opportunities, cut through the noise, and make smarter investment decisions - all in one powerful platform. Simply use coupon code SPECIAL50 at checkout to claim your exclusive discount. Limited Time Offer Get 3 free stock ebooks. Discover top-performing stocks in AI, Crypto, and Technology with expert analysis. * Top 10 AI Stocks - Leading AI companies * Top 10 Crypto Stocks - Blockchain leaders * Top 10 Tech Stocks - Tech giants Futures & Crypto Trader | Sharing charts, strategies, & mindset tips to help you level up | Not Financial Advice Follow on X @Pro_Trader_Edge August 28, 2026