Software Engineer, Early Career (NYC)

Posted Yesterday
Easy Apply
New York, NY, USA
In-Office
130K-180K Annually
Entry level
Big Data • Fintech • Mobile • Payments • Financial Services
We create honest financial products that improve lives. Ready to make a difference?
The Role
Develop and maintain well-tested, extensible software that supports Affirm’s team projects and business goals. Collaborate with engineers and stakeholders, navigate and debug large codebases, participate in code reviews, communicate risks and trade-offs, and balance delivery speed with system quality and reliability. New graduates will receive mentorship and work across teams and technology stacks in a hybrid early-career program.
Summary Generated by Built In

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 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.
We’re excited to welcome a new cohort of graduates with a computer science or related major who are ready to leverage their skills to drive real-world impact and shape the future of finance!
In our hybrid early career program, you’ll be paired with a tenured Affirmer and have an opportunity to collaborate in-person 3 days a week out of our New York City, or San Francisco offices. You'll experience the best of both worlds: the in-office experience and remote work. After the one-year, you can remain hybrid, go remote, or stay in an office. Opportunities are available across different tech stacks and teams so that you can find a perfect fit to launch your career with Affirm!


What You'll Do

  • With the support of your team, you will work on tasks that contribute to the team's projects and goals.
  • You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work. 
  • You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime.
  • You will contribute to a sense of community on your team by engaging in growth and development activities. 

What We Look For

  • 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.

USA Pacific base pay range (NY): $130,000 - 180,000

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

  • Computer science or related major
  • Experience translating problems or business scenarios into solutions involving multiple software components
  • Ability to write clear, well-tested, extensible code
  • Ability to navigate large codebases and debug other engineers’ code
  • Ability to provide feedback through code reviews
  • Strong verbal and written communication skills
  • Equivalent practical experience or a bachelor’s degree in a related field

What the Team is Saying

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Affirm Compensation & Benefits Highlights

  • Healthcare Strength — Health insurance is described as comprehensive, with fully paid medical, dental, and vision premiums and low copays in some plans. Mental-health programs are explicitly included as part of the global benefits offering.
  • Parental & Family Support — Parental leave is presented as 18 weeks for birth and non-birth parents with a 4-week full-pay return-to-work transition. Family-forming support such as fertility, egg freezing, adoption assistance, and a dedicated spending wallet is also offered.
  • Leave & Time Off Breadth — Time off includes flexible or unlimited PTO and sick time for many roles. The package also features 20 company-wide paid Away Days that add collective rest to the standard leave mix.

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The Company
HQ: San Francisco, CA
2,200 Employees
Year Founded: 2012

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.

Typical time on-site:
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