Senior Software Engineer, Card Loan Platform

Senior Software Engineer, Card Loan Platform

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. Unlike traditional cards, every pay‑later transaction is backed by its own unique loan, and our system is the "invisible piping" that makes this complex model work at scale. Every swipe triggers our platform to solve a hard problem in milliseconds: matching messy, 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 are a key enabler. You’ll be building the "financial brain" for our flagship card products, with your work on the critical path for every single swipe. What You’ll Do

You will own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open‑ended problems. You will collaborate with product management, design, and analytics to articulate technical constraints and partner on decisions that consider risks and trade‑offs. You will proactively identify and solve project, process, technology, or business issues. You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting on‑call efforts. You will foster a culture of quality and ownership by setting or improving code review and design standards, and advocating for them beyond your team through writing and tech talks. You will help develop talent on your team by providing feedback, and leading by example. What We Look For

4+ years of experience designing, developing, and launching backend systems at scale using languages such as Python or Kotlin. Track record of building highly available distributed systems with AWS, MySQL, and Kubernetes. Ability to define a technical plan for delivering features or system components with elegant, simple, and extensible design. Proficiency in making significant changes in large code bases and having tools and practices to do so safely. Ownership of personal growth, proactively seeking feedback from teammates and stakeholders. Strong verbal and written communication skills for effective collaboration across a global engineering team. Bachelor’s degree in a related field 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 needs. Time off – competitive vacation and holiday schedules. ESPP – employee stock purchase plan enabling you to buy shares of affirm at a discount. Legal Notice

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. Applicants in the United States and California are qualified under relevant fair chance and disability laws, and signatures are required for U.S. positions. By submitting your 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.

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