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.
We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm’s products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission.
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.
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
Base Pay Grade - L
Equity Grade - USA 6
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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD.
USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD.
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
- 1.5 or more years of experience as a software engineer
- Experience designing, developing, and launching backend systems
- Proficiency in Python or Kotlin
- Familiarity with distributed systems
- Familiarity with AWS, MySQL, and Kubernetes
- Ability to translate business scenarios into solutions involving multiple software components
- Ability to write clear, well-tested, and extensible code
- Ability to navigate large codebases and debug other engineers' code
- Experience providing 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
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.
