Software Engineer – Backend (New Grad) – Affirm
Affirm (NASDAQ: AFRM) is transforming consumer credit — offering transparent "Buy Now, Pay Later" (BNPL) installment loans with no hidden fees, no compounding interest, and clear repayment terms at the point of purchase. Affirm partners with 300,000+ merchants including Amazon, Shopify, Walmart, and Target, and has processed $26B+ in gross merchandise volume for 18+ million active consumers. Affirm's risk models and underwriting engine process real-time loan decisions in 0.5 seconds — a pinnacle of fintech engineering combining machine learning, alternative data, and regulatory compliance. We are hiring New Grad Backend Engineers to build the responsible lending platform redefining consumer finance.
Responsibilities
- Build Affirm's core lending backend in Python — implementing loan origination, underwriting decision engine, and repayment schedule management for 18M+ consumers
- Develop Affirm's merchant integration platform — building checkout APIs and SDKs enabling 300,000+ merchant partners to offer Affirm at checkout in under 0.5 seconds
- Implement Affirm's credit risk and fraud detection ML serving infrastructure — running underwriting models at transaction speed for real-time loan approval decisions
- Build Affirm's capital markets backend — implementing loan sale, securitization, and servicing transfer workflows with institutional funding partners
- Develop Affirm's consumer mobile app backend — implementing account management, payment scheduling, and Virtual Card issuance for universal checkout
- Build regulatory compliance services for TILA, ECOA, and FDCPA requirements governing Affirm's lending operations across 50 US states
Requirements
- Bachelor's degree in Computer Science, Software Engineering, or related field
- Strong proficiency in Python (Affirm's primary language) or Go
- Understanding of financial systems, consumer lending, or payment processing is a plus
- Familiarity with REST APIs, microservices, and PostgreSQL or NoSQL databases
- Commitment to writing correct, reliable financial software with strong security practices
Benefits
- Competitive salary with Affirm RSU equity and annual bonus
- Monthly stipend for Affirm purchases with no interest (employee BNPL benefit)
- Comprehensive medical, dental, and vision benefits
- 401(k) with Affirm matching
- Remote-first distributed team with annual company-wide retreats