高级软件工程师，后端（信用卡贷款平台）
Senior Software Engineer, Backend (Card Loan Platform)
在Affirm，我们存在的意义是为那些重要的时刻提供清晰、可预测的分期付款方式，没有隐藏费用，没有意外，更不会在最重要的事情上做出妥协。
Card Loan Platform团队构建了Affirm卡产品核心的高吞吐决策引擎。与传统卡片不同，每笔“稍后付款”的交易都由其独有的贷款支持，而我们的系统则是让这一复杂模型实现大规模运作的“隐形管道”。每一次刷卡都会触发我们的平台在毫秒内解决一个难题：将混乱、碎片化的支付网络数据匹配到正确的贷款，以实现实时审批、开户和退款。
随着Affirm的爆炸式增长，我们团队的贡献是关键推动力。这不仅仅是一个后端职位；你将为我们的旗舰卡产品打造“金融大脑”，你的工作是每一笔刷卡操作的关键路径。我们正在应对一个独特且高风险的分布式系统挑战，这需要卓越的正确性和巨大的规模。你将与产品、数据科学和工程团队紧密合作，设计并构建我们行业领先的资金流动平台的未来。
如果你热衷于做出基础性的设计决策，并打造一个受人喜爱、持久的金融品牌——欢迎加入我们。这将是一段精彩的旅程！
你将负责
- 通过领导项目的规划、优先级排序和执行来推动技术战略，确保与产品、技术和业务目标保持一致。
- 领导大规模、高可用服务的端到端系统设计和开发。这包括为我们的微服务和事件驱动架构构建稳健的API和数据模型。
- 与产品、分析、设计、法律和会计等合作伙伴跨职能协作，定义需求并执行我们的卡贷款归因和生命周期策略。
- 通过分析和排查复杂的技术问题、优化现有代码，并推动以长期稳健性和可扩展性为重点的解决方案，确保系统健康和性能。
- 通过指导初级工程师、领导技术讨论和设计评审，以及通过代码审查倡导最佳实践，来指导和培养团队。
我们寻找的人才
- 5年以上软件开发或工程经验，对系统设计和架构有深入理解。
- 具有高度驱动力的领导者，能够激发团队成长并营造积极的文化氛围。
查看英文原文
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 Loan Platform team builds the high-throughput decision engine at the heart of Affirm’s card products. Unlike traditional cards, every pay-later transaction is backed by its own unique loan, and our system is the "invisible piping" that makes this complex model work at scale. Every swipe triggers our platform to solve a hard problem in milliseconds: matching messy, fragmented payment network data to the correct loan to drive real-time approvals, origination, and refunds.
As Affirm experiences explosive growth, our team's contributions are a key enabler. This isn't just another backend role; you'll be building the "financial brain" for our flagship card products, with your work on the critical path for every single swipe. We're tackling a unique, high-stakes distributed systems challenge that demands exceptional correctness and massive scale. You will partner closely with product, data science, and engineering teams to design and build the future of our industry-leading money movement platform.
If you are passionate about making foundational design decisions and building a beloved, lasting financial brand—come join us. It’s going to be an amazing ride!
What you'll do
- Drive technical strategy by leading the planning, prioritization, and execution of projects, ensuring alignment with product, technical, and business goals.
- Lead the end-to-end system design and development of large-scale, high-availability services. This includes building robust APIs and data models for our micro-service and event-driven architectures.
- Collaborate across functions with partners in Product, Analytics, Design, Legal, and Accounting and to define requirements and execute our card loan attribution and lifecycle strategy.
- Ensure system health and performance by analyzing and troubleshooting complex technical issues, optimizing existing code, and driving solutions that focus on long-term robustness and scalability.
- Mentor and grow the team by guiding junior engineers, leading technical discussions and design reviews, and championing best practices through code review.
What we look for
- 5+ years of experience in software development or engineering, with a deep understanding of system design and architecture.
- Motivated leader, inspiring team growth and fostering a culture of continuous learning
- Excellent communicator, adept at sharing complex ideas with diverse audiences.
- Strong analytical and problem-solving skills, with a creative and solution-oriented mindset.
- Proficiency in modern programming languages such as Python, Kotlin, or similar.
- Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes).
- Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development.
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field.
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 Pacific base pay range (CA, WA, NY, NJ, CT): $195,000 - $255,000
USA Sapphire base pay range (all other U.S. states): $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.