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 Card Experiences team builds the product surfaces that make the Affirm Card feel simple and trustworthy. We own the cardholder journey from the moment a card is ordered to every time it's used. Our work spans the full stack: customer-facing web and mobile experiences and the backend services behind them. You'll work closely with product, design, risk, and operations partners to turn customer pain points into shipped improvements, and use data to measure their impact. You'll own features end to end, from shaping the problem to launching and monitoring in production, and you'll help raise the bar on reliability and on-call health. AI is central to how we work. We use it to build faster, to improve the quality of what we ship, and to create smarter, more helpful customer experiences. We lead from the front on adopting it, while holding a high bar on security and craft. A card is a high-trust product, so speed never comes at the expense of quality. If you want to help change how people plan their purchases, with a customer-first mindset and an eye for both speed and craft, we'd love to meet you.
What You'll Do
- You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects.
- You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed.
- You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes.
- You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
- You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
- You will help develop talent on your team by providing feedback and guidance, and leading by example.
What We Look For
- This is a full stack role. You have 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin.
- You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes.
- You have a total of 8+ years of experience as a software engineer.
- You are proficient in developing web apps using declarative UI frameworks like React Native or React or Vue.
- You are proficient in designing, developing and launching systems at scale.
- You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others.
- You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work.
- You think AI first and an adopter of latest technologies. You identify trends and safely apply them to the work.
- Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers.
- 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 - P
Equity Grade - 13
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): $230,000 - $290,000
USA Sapphire base pay range (all other U.S. states): $204,00 - $264,000
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
- 8+ years of experience designing, developing, and launching backend systems at scale
- 8+ years of total software engineering experience
- Experience developing highly available distributed systems
- Experience with Python or Kotlin
- Experience with AWS, MySQL, Spark, and Kubernetes
- Proficiency developing web applications with React Native, React, or Vue
- Proficiency designing, developing, and launching systems at scale
- Experience delivering major features or system components, or deprecating existing functionality, through technical and execution planning
- Ability to write high-quality, maintainable code
- Experience working from low-level language idioms through large-system architecture
- Ability to adopt and safely apply emerging AI technologies
- Strong verbal and written communication skills
- Equivalent practical experience or a Bachelor's degree in a related field
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Health coverage is highlighted as a standout, including 100% employer-paid medical premiums for employees and dependents alongside access to mental-health support and coaching sessions. These elements position the medical offering as comprehensive and easy to use.
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Parental & Family Support — Paid parental leave is notably generous at 18 weeks for birth and non-birth parents, complemented by a four-week return-to-work transition at full base pay. Additional family-building support and related resources further strengthen this area.
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Leave & Time Off Breadth — Time off is positioned as broad and flexible, with flexible PTO plus approximately 20 company-wide paid Away Days designed to encourage rest. This structure aims to make downtime accessible across the organization.
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.











