Software Engineer II, Backend (Capital Orchestration)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without hidden fees or compounding interest. The company uses advanced technology and analytics to serve a broader population than other lenders.

Join the Capital Orchestration team, responsible for providing liquidity to Affirm by enabling the sale and collateralization of Affirm loan assets. The team develops a robust platform for on-demand transactions with low operational risk, scaling to billions of dollars of collateral movement each month.

• Build a foundational platform to reconcile transactions across systems, partners, and cash movements.
• Build and integrate data pipelines from various products and systems.
• Build intuitive user experiences to streamline workflows for business counterparts.
• Develop deep understanding of capital systems powering Affirm.
• Partner with engineers to improve designs, code quality, and testing.
• Collaborate with product managers and business counterparts to design best-in-class systems.
• Break down larger projects into tasks, deliver in phases, and ensure timely delivery.
• Support operations and availability of team artifacts by creating and monitoring metrics, escalating when needed, and supporting on-call efforts.

• 1.5+ years of experience as a software engineer.
• Fluency in full stack web development, back end development, event processing, or batch processing.
• Experience designing, building, launching, and maintaining products at scale.
• Strong cross-team communication and collaboration skills.
• Proficiency with agentic coding.
• Knowledge of Python, JavaScript/React, Airflow, Spark, Horizon Portal, and SQL is a plus.
• Ability to turn simple problems into solutions interacting with multiple software components, writing clear, tested, extensible code.
• Comfortable navigating large codebases, debugging, and providing feedback through code reviews.
• Proactive, organized, curious, self-starter.
• Equivalent practical experience or Bachelor’s degree in a related field.

Base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD per year. Base pay range (all other U.S. states): $146,000 - $206,000 USD per year. Total compensation may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits.

• 100% subsidized medical, dental, and vision coverage for you and dependents.
• Flexible Spending Wallets for tech, food, and lifestyle.
• Away Days - wellness days to take off work and recharge.
• Learning & Development programs.
• Parental benefits.
• Employee Resource & Community Groups.
• ESPP - employee stock purchase plan.