Senior Software Engineer, Card Loan Platform

Senior Software Engineer, Card Loan Platform Apply for the Senior Software Engineer, Card Loan Platform role 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 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 contributions enable a flagship card that is backed by its own unique loan and makes this complex model work at scale. What You’ll Do Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open‑ended problems and ensuring support throughout delivery. Collaborate with product, design, analytics – participate in ideation, articulate technical constraints, and partner on decisions that consider risks and trade‑offs. Proactively identify and solve project, process, technology or business issues, advocating for them and leading solutions. Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting on‑call efforts. Foster quality and ownership by setting or improving code review and design standards, and advocating them through writing and tech talks. Help develop talent on your team by providing feedback, 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 using AWS, MySQL and Kubernetes. Experience defining a technical plan for a significant feature or system component with an elegant, simple and extensible design; write high‑quality, understandable code. Proficiency at making significant changes in a large code base, developing tools and practices that enable safe changes. Ownership of growth – proactively seeking feedback from team, manager, and stakeholders. Strong verbal and written communication skills that support effective collaboration with our global engineering team. Bachelor’s degree in a related field or equivalent practical experience. Pay Grade: N Equity Grade: 6 Employees new to affirm typically come in at the start of the pay range. affirm focuses on a simple and transparent pay structure based on location, experience and job‑related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). Can base pay range per year: $150,000 - 200,000. Affirm is proud to be a remote‑first company The majority of our roles are remote; affirmers in proximal roles have the flexibility to work remotely, but may be required to work out of an assigned affirm office on occasion. Some roles remain office‑based due to responsibilities. Benefits 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, lifestyle needs, and family forming expenses. Time off – competitive vacation and holiday schedules allowing you 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 US positions that could be performed in Los Angeles or San Francisco, affirm will consider qualified applicants with arrest and conviction records in accordance with the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance. By clicking “Submit Application,” you acknowledge that you have read affirm’s Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein. Referrals increase your chances of interviewing at affirm by 2x. #J-18808-Ljbffr