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Senior Software Engineer, Backend (Loan Originations & Reporting)

USA flag USA


Posted 4 days ago

Job Type

Full Time


$146k - $219k




  • Affirm is redefining credit to be transparent and consumer-friendly, enabling buy now, pay later without hidden fees.

  • Lead the Loan Origination and Reporting team, creating scalable systems for loan origination and expanding globally.

  • Opportunities include mentoring, technology-driven problem-solving, and enhancing Affirm Engineering through innovation.


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 Loan Origination and Reporting team (LOR) is responsible for the creation of all loans with Affirm. We make reliable, scalable systems that can handle loan requests from our continually growing customer base. Our team's main users include the bank partners who originate our loans, and other engineering teams that use our services. In the future, we will be extending our reach to countries outside the U.S., signing on new customers, new merchants, and new bank partners along the way.

What You’ll Do

  • Design, code, and maintain services that enable the origination of hundreds of millions of dollars worth of loans and can scale to meet our growing demand

  • Build batch processes and integrate data pipelines to automate data sourcing and reporting workflows

  • Mentor junior teammates, review their code, and help them learn the skills and methodologies needed to become outstanding engineers

  • Work with technical and non-technical business partners to discuss project plans and status

  • Continually look for ways to improve both LOR systems and Affirm Engineering as a whole

What We Look For

  • BS degree in Computer Science with 3-5+ years of experience as a software engineer with leadership exposure and experience mentoring junior engineers

  • Passion for technology and solving problems with software

  • Proficiency and experience in back-end development and distributed systems (our tech stack includes Python, Spark, Kubernetes, MySQL, and AWS)

  • Proficient in backend data processing and batch processing

  • Strong cross-team communication and collaboration skills

  • Prior experience with SOA and event-driven systems a plus

Pay Grade - USA 30

Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.

USA base pay range (CA, WA, NY, NJ, CT) per year:

Min: $162,400

Mid: $203,000

Max: $243,500

USA base pay range (all other U.S. states) per year:

Min: $146,100

Mid: $182,700

Max: $219,200


Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

  • Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents

  • Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses

  • Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge

  • ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read the for applicants within the United States, the for applicants applying from Poland, the for applicants applying from Spain, or the for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.