Software Engineer II, Backend (Credit Decisioning)

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 Credit Decisioning team is essential to every transaction at Affirm, providing scalable underwriting decisions for integrated point-of-sale (POS) merchants and wallet platforms across the US, Canada, and the UK.

This specific role is within the Credit Core sub-team, which focuses on building the foundations and credit levers for scaling our underwriting and providing responsible access to credit. A key part of this team's work involves developing new underwriting features and products to expand Affirm's product offerings and enable sustainable growth.

Working closely with cross-functional partners in Engineering, ML, Risk, Analytics, Product, and Capital, this role offers a direct opportunity to work on launches that have a significant business impact.

What you'll do

• With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
• You will 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.
• You will 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.
• You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.

What we look for

• You have a total of 1.5+ years of experience as a software engineer.
• You have experience designing, developing and launching backend systems and are proficient in one of