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Software Engineer II, Backend (Identity Decisioning)

Affirm

Software Engineer II, Backend (Identity Decisioning)

full-timePosted: Jan 7, 2026

Job Description

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.

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.

Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across Affirm’s product surfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize that context to own and deliver high-availability and low-latency systems on the critical paths for all of our products.


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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

 

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

CAN base pay range per year: $125,000 - $175,000

#LI-Remote

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.

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.

Locations

  • Remote Canada, (Remote)

Salary

Salary details available upon request

Estimated Salary Rangemedium confidence

180,000 - 260,000 USD / yearly

Source: ai estimated

* This is an estimated range based on market data and may vary based on experience and qualifications.

Skills Required

  • Pythonintermediate
  • Kotlinintermediate
  • AWSintermediate
  • MySQLintermediate
  • Kubernetesintermediate
  • distributed systemsintermediate
  • backend systemsintermediate
  • code reviewsintermediate
  • debuggingintermediate
  • strong verbal and written communication skillsintermediate

Required Qualifications

  • You have a total of 1.5+ years of experience as a software engineer (experience)
  • You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin (experience)
  • You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes (experience)
  • 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 (experience)
  • You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews (experience)
  • Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders (experience)
  • You have strong verbal and written communication skills that support effective collaboration with our global engineering team (experience)
  • This position requires either equivalent practical experience or a Bachelor’s degree in a related field (experience)

Responsibilities

  • 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

Benefits

  • general: Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
  • general: Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
  • general: Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
  • general: ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

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Affirm logo

Software Engineer II, Backend (Identity Decisioning)

Affirm

Software Engineer II, Backend (Identity Decisioning)

full-timePosted: Jan 7, 2026

Job Description

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.

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.

Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across Affirm’s product surfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize that context to own and deliver high-availability and low-latency systems on the critical paths for all of our products.


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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

 

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

CAN base pay range per year: $125,000 - $175,000

#LI-Remote

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.

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.

Locations

  • Remote Canada, (Remote)

Salary

Salary details available upon request

Estimated Salary Rangemedium confidence

180,000 - 260,000 USD / yearly

Source: ai estimated

* This is an estimated range based on market data and may vary based on experience and qualifications.

Skills Required

  • Pythonintermediate
  • Kotlinintermediate
  • AWSintermediate
  • MySQLintermediate
  • Kubernetesintermediate
  • distributed systemsintermediate
  • backend systemsintermediate
  • code reviewsintermediate
  • debuggingintermediate
  • strong verbal and written communication skillsintermediate

Required Qualifications

  • You have a total of 1.5+ years of experience as a software engineer (experience)
  • You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin (experience)
  • You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes (experience)
  • 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 (experience)
  • You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews (experience)
  • Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders (experience)
  • You have strong verbal and written communication skills that support effective collaboration with our global engineering team (experience)
  • This position requires either equivalent practical experience or a Bachelor’s degree in a related field (experience)

Responsibilities

  • 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

Benefits

  • general: Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
  • general: Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
  • general: Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
  • general: ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

Target Your Resume for "Software Engineer II, Backend (Identity Decisioning)" , Affirm

Get personalized recommendations to optimize your resume specifically for Software Engineer II, Backend (Identity Decisioning). Takes only 15 seconds!

AI-powered keyword optimization
Skills matching & gap analysis
Experience alignment suggestions

Check Your ATS Score for "Software Engineer II, Backend (Identity Decisioning)" , Affirm

Find out how well your resume matches this job's requirements. Get comprehensive analysis including ATS compatibility, keyword matching, skill gaps, and personalized recommendations.

ATS compatibility check
Keyword optimization analysis
Skill matching & gap identification
Format & readability score

Tags & Categories

CheckoutCheckout
Quiz Challenge

Answer 10 quick questions to check your fit for Software Engineer II, Backend (Identity Decisioning) @ Affirm.

10 Questions
~2 Minutes
Instant Score

Related Books and Jobs

No related jobs found at the moment.