Senior Software Engineer, Card Loan Platform

Job Description

Senior Software Engineer, Card Loan Platform

Senior Software Engineer, Card Loan Platform at Affirm

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

The Card Loan Platform team builds the high‑throughput decision engine at the heart of affirm’s card products. Every pay‑later transaction is backed by a unique loan, and our system is the "invisible piping" that makes this complex model work at scale. Each swipe triggers our platform to solve a hard problem in milliseconds: matching fragmented payment network data to the correct loan to drive real‑time approvals, origination, and refunds.

As affirm experiences explosive growth, our team’s contributions enable both an exceptional user experience and our financial brand. You will partner with product, data science, and engineering teams to design and build the future of our industry‑leading money movement platform.

What You’ll Do

• Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open‑ended problems.


• Collaborate with product management, design & analytics throughout the product development lifecycle, articulating technical constraints and making decisions that consider risks and trade‑offs.


• Proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.


• Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and participating in on‑call efforts.


• Foster a culture of quality and ownership by setting or improving code review and design standards, and advocating for them through writing and tech talks.


• Help develop talent by providing feedback and guidance, and leading by example.

What We Look For

• 4+ years of experience designing, developing, and launching backend systems at scale using languages like Python or Kotlin.


• Track record of developing highly available distributed systems with AWS, MySQL, and Kubernetes.


• Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple, and extensible design. High‑quality, readable code is essential.


• Proficiency at making significant changes in a large code base and developing tools and practices that enable safe evolution.


• Ownership of growth, proactively seeking feedback from team, manager, and stakeholders.


• Strong verbal and written communication skills supporting effective collaboration with our global engineering team.


• Bachelor’s degree or equivalent practical experience.

Benefits

• Health care coverage – affirm covers all premiums for all levels of coverage for you and your dependents.


• Flexible Spending Wallets – generous stipends for technology, food, and lifestyle expenses.


• Competitive vacation and holiday schedules.


• Employee Stock Purchase Plan (ESPP).

Affirm is proud to be a remote‑first company. The majority of roles are fully remote; occasional office presence may be required based on job responsibilities.

We believe it’s On Us to provide an inclusive interview experience for all, including people with disabilities. Reasonable accommodations are available.

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