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.
Affirm is building the next generation of customer identity and authentication. This role is a hands-on engineering position inside Information Security, focused on designing and shipping core CIAM capabilities that protect customers and support growth.
You will build and operate backend services that power registration, login, authorization, and account lifecycle flows across B2C and B2B experiences. You will work closely with partner engineering teams and ensure identity features are delivered with strong security fundamentals, reliability, and operational rigor.
What you’ll do- Design, build, and operate core CIAM backend services that support customer registration, authentication, authorization, account lifecycle, and profile management for B2C and B2B platforms.
- Implement and extend identity standards such as OAuth 2.0, OIDC, SAML, and SCIM in code, ensuring correctness, scalability, and clean integration patterns.
- Develop backend APIs and services in Python and Kotlin that expose identity capabilities to web, mobile, and partner applications.
- Integrate CIAM platforms with internal systems, including user data stores, messaging, fraud signals, and downstream customer platforms.
- Own secure authentication and account flows end to end, including MFA, step-up authentication, device binding, consent, and adaptive authentication logic.
- Automate CIAM infrastructure and deployments using Infrastructure as Code and CI/CD pipelines, treating identity as a core platform service.
- Monitor, debug, and optimize CIAM services for performance, resilience, and abuse detection in high-scale environments.
- Strong experience designing and implementing CIAM systems, with deep, hands-on knowledge of OAuth 2.0, OIDC, SAML, and SCIM beyond basic configuration.
- 5+ years of professional backend software engineering experience
- Strong production experience in Python or a similar backend language
- Experience designing APIs, automation frameworks, and distributed systems
- Hands-on experience building and maintaining CI/CD pipelines
- Experience with GitHub-based development workflows and Buildkite or similar build systems
- Experience with cloud-native development, preferably AWS
- Hands-on experience extending and integrating CIAM platforms such as Okta, Auth0, Ping Identity, ForgeRock, or Azure AD B2C using custom code, hooks, and APIs.
- Solid understanding of backend and distributed systems fundamentals, including API design, data modeling, latency, error handling, and observability.
- Experience with Infrastructure as Code and automation tools such as Terraform, plus CI/CD pipelines for deploying backend services.
- Strong security fundamentals applied through engineering, including access control models, token handling, encryption, MFA, and privacy by design.
- Clear communication skills and the ability to work closely with product, frontend, mobile, and security teams while owning backend identity services.
- Familiarity with tools such as Cursor and other AI-augmented development environments
Base Pay Grade - N
Equity Grade - USA 9
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.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $195,000 - $255,000
USA base pay range (all other U.S. states) per year: $173,000 - $233,000
#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 and consent to the use of your personal information as described.
Skills Required
- 5+ years of professional backend software engineering experience
- Strong production experience in Python or a similar backend language
- Experience designing APIs, automation frameworks, and distributed systems
- Hands-on experience building and maintaining CI/CD pipelines
- Experience with cloud-native development, preferably AWS
- Hands-on experience extending and integrating CIAM platforms
- Solid understanding of backend and distributed systems fundamentals
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Affordable Benefits — Zero-premium healthcare for employees and dependents is highlighted, with the benefits portal showing $0 payroll contributions and company-paid premiums for medical, dental, and vision in 2026. Transparent plan-cost displays further underscore the low out-of-pocket burden.
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Leave & Time Off Breadth — A wide mix is outlined, including Flexible Time Off for exempt employees, 20 accrued vacation days for non-exempt employees, Health Days, Bereavement, Life Happens leave, jury duty, and company-wide Away Days to reduce distractions. These programs collectively point to generous paid time provisions beyond standard PTO.
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Wellbeing & Lifestyle Benefits — No‑cost mental health support is offered via Lyra, and Forma-administered wallets provide substantial monthly stipends (e.g., Lifestyle and Tech) along with a S.A.F.E. family‑building wallet with a $20,000 lifetime maximum. This combination indicates strong support for everyday wellness and major life events.
Affirm Insights
What We Do
At Affirm, we help people say yes to the things that matter with flexible, transparent ways to pay over time. No hidden fees, no compound interest, and no fine print—just a smarter way to spend.
Why Work With Us
Who is an Affirmer? /noun/ Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
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Affirm Offices
Remote Workspace
Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
