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Software Engineer II, Backend (Open Loop BNPL)

Affirm

$142,000 - $210,000
Aug 21, 2025
Remote, US
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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. The OpenLoop BNPL team is the bridge between Cards and Loans at Affirm, owning the complex routing logic that makes transparent financing possible at scale. Every swipe depends on our real-time decision engine that matches transactions to loans in milliseconds, directly impacting millions of users' financial experiences.

Requirements

  • 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 experience designing, developing and launching APIs at scale using languages like Python or Kotlin.
  • 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.

Responsibilities

  • break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
  • 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.
  • 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.
  • contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.
  • designing, developing and launching backend systems
  • designing, developing and launching APIs at scale using languages like Python or Kotlin.
  • 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.

Other

  • You have a total of 1.5+ years of experience as a software engineer.
  • 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.
  • Affirm is proud to be a remote-first company!