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.

We are looking for a Senior Software Engineer to lead projects and initiatives on the Fraud Decisioning team. You’ll be responsible for building tools and systems that empower Affirm fraud fighting capabilities, work with cross-functional teams to adopt and monitor those and use analytics and data driven decisions to further improve the performance and quality of fraud deciders. Our mission is to drive growth while protecting Affirm, buyers, and merchants. We achieve this by leveraging data to evaluate risk at critical points in the user journey, adapting to the ever-changing fraud landscape, and by introducing new fraud-fighting capabilities..

What You’ll Do

Work across the org to plan and execute large, cross-functional initiatives, including: project definition, technical specification, task break-down, delivery, monitoring, and maintenance.
Generate simple and elegant designs that are easily deployed and debugged, but anticipate the unhappy path. Write high-quality code that can be easily understood and leveraged by others.
Review others’ work and provide constructive feedback in order to maintain high and consistent quality standards across teams.
Lead and mentor engineers to help them succeed and grow. Provide the right context to engineers and train them to take ownership of their respective pieces of the initiative.
Effectively incorporate needs and opinions from stakeholders, advocate for ideas and initiatives, and create a common understanding where all voices are heard.
Conduct technical and soft skill evaluations to inform and influence the hiring decisions. Develop and review the technical content and requirements of the interview process.

What We Look For

This position requires either equivalent practical experience or a Bachelor’s degree in a related field
5+ years as a Software Engineer, with leadership and mentoring experience.
Proficient in Python or Kotlin.
Experience with MySQL and relational databases.
Familiarity with PyCharm or IntelliJ IDEA.
Proven track record in architecting and maintaining complex systems.
Strong ability to synthesize business, product, and technical requirements.
Passionate about cross-functional collaboration with Product, Machine Learning, Analytics, and Business teams.

Base Pay Grade- N

Equity Grade- 8

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 base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - $240,000
USA base pay range (all other U.S. states) per year: $169,000 - $219,000

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Software Engineer, Backend (Fraud - Card Defense)

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