Software Engineer II, Backend (Credit Decisioning)

AffirmAffirm·Remote(Remote US)·Work From Anywhere
Software Development

WFA Digital Insight

In the booming fintech space, Affirm is leading the charge in honest and transparent credit solutions. With demand for skilled backend engineers rising 20% in 2025, this role stands out for its focus on building scalable underwriting decisions. Candidates with expertise in distributed systems and a passion for digital payments should take note, as this position offers a unique chance to drive business impact.

Job Description

About the Role

The Credit Decisioning team at Affirm is looking for a skilled Software Engineer II, Backend to develop scalable underwriting decisions for integrated point-of-sale merchants and wallet platforms.

Responsibilities

  • Break down larger projects into individual tasks and deliver them in multiple phases
  • Collaborate with cross-functional partners in Engineering, ML, Risk, Analytics, Product, and Capital
  • Support the operations and availability of team artifacts by creating and monitoring metrics

Requirements

  • 1.5+ years of experience as a software engineer
  • Experience designing, developing, and launching backend systems
  • Proficiency in one of Python or Kotlin
  • Familiarity with distributed systems and technologies like AWS, MySQL, and Kubernetes

How to Stand Out

  • Develop a strong understanding of distributed systems and their building blocks to stand out in this role
  • Showcase your ability to take a simple problem and turn it into a solution that interacts with multiple software components
  • Be prepared to discuss your experience with technologies like AWS, MySQL, and Kubernetes during the interview process
  • Highlight any experience you have with digital payments and fintech, as this can be a major plus for this position
  • When negotiating salary, consider the national averages for backend engineers and the company's overall compensation package

This is a remote position listed on WFA Digital, the platform for professionals who work from anywhere. Browse more remote jobs across all categories.