Software Engineer II, Backend (Virtual Cards)

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 Virtual Cards (VCN) Platform Engineering team powers all of Affirm's products that depend on one-time-use cards. Virtual cards enable consumers to leverage Affirm’s financial products at effectively any merchant that accepts card payments, supporting online ecommerce, physical instore, and digital wallet integrations such as Apple Pay and Google Pay. By providing the systems that bridge Affirm and external credit networks like Visa, the VCN Platform team is critical in enabling increased scale of Affirm’s network. What You’ll Do

• Participate in the design, development, and deployment of software systems and applications.
• Collaborate with cross-functional teams to define software requirements and architecture.
• Write clean, maintainable, and efficient code in programming languages such as Java, Python, C++, or others as required.
• Optimize and refactor existing code to enhance performance and scalability.
• Review code, provide feedback, and ensure adherence to best coding practices.
• Analyze and troubleshoot complex technical issues.
• Develop innovative solutions to meet business needs, focusing on robustness, security, and performance.
• Implement and manage software testing and quality assurance processes.
• Work closely with tech leads and cross-functional partners in product managers, designers, and analytics to deliver high-quality products.
• Participate in Agile development practices, including sprint planning, daily stand-ups, and retrospectives.
• Participate in on-call duties to support our application with the goal of reducing mean time to detection and mean time to resolution of incidents.

What We Look For

• 1.5+ years of experience in software development or engineering.
• Builds trust and confidence with peers.
• Strong communication and collaboration skills.
• Proficiency in modern programming languages such as Java, Python, C#, or similar.
• Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes).
• Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development.
• Strong understanding of software development methodologies (Agile, Scrum, DevOps).
• Excellent problem-solving and analytical skills.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Preferred Skills

• Experience with Checkout or checkout related products and UX
• Background in fintech and financial services

Base Pay Grade - L Equity Grade - 6 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including 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.) USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000 USA base pay range (all other U.S. states) per year: $142,000 - $192,000 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. Benefits 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 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.