Software Engineer II, Back-end (Card Mgmt & Transaction Processing)

Job summary

Develop and operate core issuing and processing infrastructure for card products, including authorization and account lifecycle management. Collaborate with cross-functional teams to deliver scalable backend systems and support operational availability through monitoring and on-call efforts.

Job details

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Affirm Card is one of the company’s fastest-growing products and an increasingly significant contributor to overall platform GMV. Our team builds and operates the systems behind every card issued at Affirm and every transaction processed across Affirm’s card products, including the Affirm Card and one-time virtual cards. We own the core issuing and processing infrastructure powering authorization, transaction processing, account and card lifecycle management, tokenization, and platform security. As Affirm continues to expand its card offerings, the scale, complexity, and reliability requirements of our systems continue to grow. You will work on systems that sit directly on the critical path of every card transaction, collaborating closely with product and cross-functional partner teams. This is a unique opportunity to help shape some of Affirm’s most strategic and fastest-growing products while solving complex engineering challenges at scale. What You'll Do * With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work * You will 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 * You will 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. * You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. What We Look For * You have a total of 1.5+ years of experience as a software engineer. * You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. * You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes. * You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. * You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. * Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. * You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Base Pay Grade - L Equity Grade - 5 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.) CAN base pay range per year: 133,000 - 183,000 Location - Remote Canada #LI-Remote Remote-first with flexibility built in Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience. Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights: * Health coverage at no cost: We cover 100% of premiums for employees and their dependents. * Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. * Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. * Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice [https://www.affirm.com/global-candidate-privacy-notice] and consent to the use of your personal information as described.

What you’ll do

Develop and operate core issuing and processing infrastructure for card products, including authorization and account lifecycle management. Collaborate with cross-functional teams to deliver scalable backend systems and support operational availability through monitoring and on-call efforts.

Requirements

Requires 1.5+ years of software engineering experience with proficiency in Python or Kotlin. Candidates must be familiar with distributed systems, AWS, MySQL, and Kubernetes, and possess strong communication skills.

Benefits

• 100% Subsidized Medical Coverage • Dental Insurance • Vision Insurance • Flexible Spending Wallets for Technology, Food, and Lifestyle • Family Forming Expenses Stipend • Competitive Vacation and Holiday Schedules • Employee Stock Purchase Plan (ESPP) • Equity Rewards

Listed skills

• Kubernetes · Preferred
• MySQL · Preferred
• Amazon Web Services · Preferred
• Kotlin · Preferred
• Python · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Python
• Kotlin
• AWS
• MySQL
• Kubernetes
• Distributed Systems
• Backend Development
• Code Review
• Debugging
• System Design

Job areas

• Software
• Technology
• Engineering
• Finance & Accounting