Software Engineer II, Backend (Capital Orchestration)
WFA Digital Insight
With the rise of fintech, demand for skilled software engineers has skyrocketed. According to recent trends, the market for digital payment solutions grew by 25% in 2025. Affirm is at the forefront of this movement, reinventing credit to make it more honest and friendly. This role is particularly interesting as it combines backend development with a deep understanding of capital systems, a rare combination in the industry. Candidates should be prepared to demonstrate their expertise in designing and building scalable systems, as well as their ability to collaborate with cross-functional teams.
Job Description
About the Role
As a Software Engineer II on the Capital Orchestration team, you will play a crucial role in developing a robust and extensible platform for on-demand transactions. Your work will enable Affirm to provide liquidity and scale to billions of dollars of collateral movement each month. You will be working closely with a team of engineers, product managers, and business counterparts to design and build best-in-class systems and processes.The Capital Orchestration team is responsible for providing liquidity to Affirm by enabling the sale and collateralization of Affirm loan assets. This team develops a robust and extensible platform for on-demand transactions with low operational risk. As a key member of this team, you will be responsible for building a foundational platform enabling the reconciliation of each transaction across systems, partners, and cash movements.
What You Will Do
- Build a foundational platform enabling the reconciliation of each transaction across systems, partners, and cash movements.
- Build and integrate data pipelines from a variety of products and systems.
- Build intuitive and thoughtful user experiences to streamline the workflows of our business counterparts.
- Develop a deep understanding of the capital systems which power and fund Affirm.
- Partner with engineers on the team to help improve designs, code quality, and testing.
- Collaborate with product managers and business counterparts to design best-in-class systems and processes.
- Break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
- Support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
- Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
What We Are Looking For
- A total of 1.5+ years of experience as a software engineer.
- Fluency in full stack web development, back end development, event processing, or batch processing.
- Experience in designing, building, launching, and maintaining products at scale.
- Strong cross-team communication and collaboration skills.
- Proficiency with agentic coding.
- Knowledge of Python, JavaScript/React, Airflow, Spark, Horizon Portal, and SQL is a plus.
- Ability to take a simple problem or business scenario into a solution that interacts with multiple software components, and execute on it by writing clear, easily understood, well tested and extensible code.
- Comfort navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
- Strong verbal and written communication skills that support effective collaboration with our global engineering team.
- A Bachelor’s degree in a related field or equivalent practical experience.
Nice to Have
- Experience with cloud-based technologies such as AWS or Azure.
- Familiarity with containerization using Docker.
- Knowledge of Kubernetes or other orchestration tools.
- Experience with agile development methodologies.
Benefits and Perks
- Competitive salary and equity package.
- 100% subsidized medical coverage, dental, and vision insurance.
- Monthly stipends for health, wellness, and tech spending.
- Flexible PTO policy and remote work options.
- Opportunities for professional growth and development.
- Collaborative and dynamic work environment.
- Access to the latest technologies and tools.
- Recognition and rewards for outstanding performance.
How to Stand Out
- When applying, make sure to highlight your experience with backend development, data pipelines, and user experience design.
- Be prepared to demonstrate your understanding of capital systems and how they power financial institutions.
- Showcase your ability to work collaboratively with cross-functional teams, including product management, design, and analytics.
- Make sure your portfolio includes examples of scalable systems you have built and deployed.
- Research Affirm's technology stack and be prepared to ask informed questions during the interview process.
- Don't be afraid to ask about opportunities for growth and professional development within the company.
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