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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. At the Merchant Engineering team, we make products that are a joy for developers to integrate, thus making it easy for Merchants and Partners to unlock the value of being part of the Affirm network. Our goal is to build a flexible, scalable, robust platform to provide the best possible purchasing experience be it online or in-store. The purpose of the Merchant Risk Intelligence &amp; Platform (MRIP) team is to build functionalities that automate merchant risk assessment, throughout their lifecycle within Affirm. We create the necessary backend platform and by combining it with work of multiple other cross functional teams spanning all of Affirm, enable our ML engineers to build models that help automate decision making. Whether it’s about onboarding a new merchant, or constantly monitoring for trends, our team is responsible for making sure Risk is properly managed and the experience for merchants in the process is as smooth and thorough as possible. What You'll Do · You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. · You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design &amp; analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. · You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. · 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” &amp; on-call efforts. · You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. · You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For · You have 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. · Prior experience with monitoring and alerting systems (<a href="http://sentry.io/" target="_blank">sentry.io</a>, rollbar, chronosphere, kibana) · A strong understanding of distributed systems and how architectural decisions affect performance and maintainability · You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. · You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely. · 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. 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: $190000 - $240000 USA base pay range (all other U.S. states) per year: $169000 - $219000 #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Affirm

Senior Software Engineer (Merchant Risk Intelligence & Platform)

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 seeking a seasoned Strategic Partnerships professional to grow our platform partnerships. You will be responsible for securing and managing large, strategic one-to-many Partnerships to drive GMV, Revenue, and Merchant Acquisition. As an individual contributor on our expanding Strategic Partnerships team, you will focus on signing and scaling our largest Strategic Partnerships in collaboration with Affirm’s cross functional teams. The ideal candidate is an experienced strategic thinker and self-starter who is eager to learn, comfortable with ambiguity, and thrives in a challenging, fast-paced environment. You are comfortable working across various internal and external partner teams and can autonomously drive strategic solutions for Affirm and its partners. This role involves managing complex deal cycles, GTM and partner enablement, forecasting, and driving Affirm adoption through platforms. Your work will directly impact top-priority, company-wide goals. What You’ll Do: <ul> <li> Lead large strategic deals for Affirm by developing comprehensive, competitive proposals that drive new business opportunities with platforms to enable partner growth and achieve/exceed goals </li> <li> Identify and target a list of key strategic platform partners, lead negotiations and related contract terms, and sign mutually beneficial one to many platform partnerships deals </li> <li> Work across various internal and external cross functional teams to create and execute against compelling commercial and technical partnership frameworks </li> <li> Launch, scale, and grow signed partners via active partner management and in collaboration with internal and external XFN teams </li> <li> Manage and be responsible for developing and driving strategic initiatives to accelerate business growth with signed partners </li> <li> Manage platform pipeline development, develop standardized deal and partner management process and stay organized across internal systems </li> </ul> What We Look For: <ul> <li> Self starter with 7+ years of enterprise sales or partnerships experience on high-performing sales or partnerships teams </li> <li> Experience in managing and closing cross-functional deal cycles with a high attention to detail. Ability to navigate complex negotiations, with an emphasis on driving partner value </li> <li> Successful track record in providing a point of view and thought leadership in platform space, identifying key partner prospects and converting them into partner revenue streams </li> <li> Prior success building strong relationships with decision makers and C-level executives, in large complex organizations </li> <li> Demonstrated ability to over-achieve quotas (top 10-20% of company) in past positions through complex deal cycles </li> <li> Excellent communication, presentation, writing (proposals, memos, e-mail), strategic and structured thinking, organization and project management skills, ability to manage multiple projects/tasks concurrently </li> <li> Ability to craft compelling value propositions, deliver persuasive presentations, collaborate and drive engagement with stakeholders to achieve business objectives (internally and externally) </li> <li> Fast learner who seeks out new opportunities, drives progress, and navigates ambiguity </li> <li> Knowledge of payments, consumer finance offerings, integrated software solutions, and/or willingness to learn </li> </ul> Pay Grade - M 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: $180,000 - $230,000 USA base pay range (all other U.S. states) per year: $160,000 - $210,000 Please note that visa sponsorship is not available for this position. #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Strategic Partnerships Manager

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 Decisions and Pricing Engineering group is seeking a key leader to join our team. Our mission is to deliver the best credit decisions for Affirm consumers while maintaining positive unit economics and being the highest converting and most competitive payment solution for our merchant partners. The decisioning system and ML models our team owns and operates help us realize our mission for millions of consumers and merchant partners. This role requires a high level of technical ability, leadership skills, strong cross-functional communication, and a creative mindset. You will be responsible for building large-scale distributed systems, driving ML innovation, and developing the overall technology strategy for the group. Affirm is experiencing explosive growth with millions of customers across thousands of merchants in-store and online, and your contributions will be a key enabler of that growth. Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride! What You'll Do <ul> <li> Drive the evolution and architecture of Decisioning system including ML innovation. </li> <li> Champion innovative, scalable, and delightful solutions across the organization. </li> <li> Establish architecture, technical design, and code review standards, coach team members to conduct effective design and code reviews. Ensure high programming standards, create best practices, and lead by example. </li> <li> Partner with Product Management, provide technical input to shape product direction and roadmap. </li> <li> Foster a culture of technical excellence, humility, constant improvement, and rigor to build a team that can confidently tackle complex challenges across multiple technical domains. </li> <li> Be hands on. Build APIs and data models to work within micro-service and event-driven architectures. Create parallelizable and idempotent batch jobs to process large amounts of data. </li> <li> Take an active role in mentoring engineers and senior leaders, and the processes that support team growth and efficiency. </li> </ul> What we look for <ul> <li> 10+ years of experience as a software engineer. </li> <li> Ability to synthesize complex business, product, and technical requirements to consistently produce high quality system designs and software. </li> <li> A strong understanding of distributed systems and how architectural decisions affect performance and maintainability. </li> <li> A strong understanding of machine learning and modeling techniques at scale. </li> <li> Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication – written tech specs, wiki, project plans, etc. </li> <li> Excellent project management skills – high degree of organization and ability to surface critical information effectively. </li> <li> Business impact focus, pragmatic approach to delivering projects on time and safely. </li> <li> Passion for working with cross-functional teams including Product, Risk, Analytics etc. </li> <li> Python/Kotlin development experience is a plus. </li> <li> Experience with AWS and/or other cloud providers. </li> <li> Experience with Fintech or regulatory industries is a plus. </li> <li>This position requires either equivalent practical experience or a Bachelor’s degree in a related field.</li> </ul> Base Pay Grade - R Equity Grade - 15 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: $260,000 - $310,000 USA base pay range (all other U.S. states) per year: $232,000 - $282,000 Location: Remote - US #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 <a href="https://docs.google.com/document/d/e/2PACX-1vRSrHfbqKhhxAsI84tBH5hW85xiwEF4s8MOnfgDFJ5hl4_opeivo6dKc1kbywvVEppRe37UqYYsghB2/pub?urp=gmail_link" target="_blank">Affirm Employment Privacy Policy</a> for applicants within the United States, the <a href="https://docs.google.com/document/d/e/2PACX-1vSy4lvjSR3uff7spzCxGpLDN89u0iNizaBS-MEZM9aujcedmfD1eV70qIwBAkVSRg/pub?urp=gmail_link" target="_blank">EU Employee Notice Regarding Use of Personal Data (Poland)</a> for applicants applying from Poland, the <a href="https://docs.google.com/document/d/e/2PACX-1vTgnNFl4xX9la1x6egS2U5KeTmMPVFJgfW2Zv8kZ-13yuu7MOIBD1o1HRVWFGfRYg/pub?urp=gmail_link" target="_blank">EU Employee Notice Regarding Use of Personal Data (Spain)</a> for applicants applying from Spain, or the <a href="https://docs.google.com/document/d/e/2PACX-1vRHygY5A4IKK7XXd90RgaeCNESSnbu-w1LJRpB5z72rSVYufFKTPhqnPajLQgP6koyH0AbUTGGoSWz9/pub?urp=gmail_link" target="_blank">Affirm U.K. Limited Employee Notice Regarding Use of Personal Data</a> 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 Staff Software Engineer, Front End (Purchasing Experience)

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 Merchant Risk Intelligence &amp; Platform team’s mission is to deliver a robust merchant approval and risk monitoring platform for the timely, transparent, and consistent assessment of merchant risk throughout the merchant lifecycle. This team works in close partnership with our product managers and risk teams to effectively manage merchants throughout their lifecycle @ Affirm and build automated risk tools in order to minimize losses post-onboarding. Affirm’s stated goal is to build the largest network as measured by the number of users and merchants; a strong merchant risk capability is key to growing the merchant side of the network equation. We are looking for a highly motivated manager to help build this team. Come join us! What you’ll do <ul> <li>Lead, mentor, and grow an engineering team responsible for the backbone of our Merchant Risk processes, collaborating closely with the Machine Learning part of the team</li> <li>Mentor engineers on the team to help improve their designs, code quality, and testing.</li> <li>Own availability, reliability, and performance of your team’s systems.</li> <li>Partner with product managers to design and build best-in-class systems and processes to reconcile and report.</li> <li>Partner with a diverse set of engineering teams who build solutions throughout the entire lifecycle of a Merchant at Affirm</li> <li>Build relationships and engage with senior management in the organization</li> </ul> What we look for <ul> <li>7+ years of proven experience as a software engineer role with leadership responsibilities and 1+ years as an engineering manager.</li> <li>Drive to change consumer financial services for the better.</li> <li>Prior experience growing and managing a high performing engineering team.</li> <li>Fluency in back end development.</li> <li>Prior experience architecting, building, launching and maintaining consumer scale products.</li> <li>Strong cross-team communication and collaboration skills.</li> <li>Knowledge of basic accounting principles and GAAP accounting is a plus.</li> <li>This position requires either equivalent practical experience or a Bachelor’s degree in a related field</li> </ul> Pay Grade - P Equity Grade - 13 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: $225,000 - $275,000 USA base pay range (all other U.S. states) per year: $200,000 - $250,000 #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Manager, Software Engineering (Merchant Risk Intelligence & Platform)

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’re looking for an intelligent, driven professional to join our Model Risk Management (MRM) team. This team seeks to establish, maintain and oversee an effective MRM framework to identify, quantify, monitor, mitigate and report on model risk throughout the company. You will have an outstanding opportunity to work cross-functionally to develop a profound understanding of models that drive critical business decisions, and add value to the company by mitigating risks due to ineffective model design or model misuse. What You’ll Do <ul> <li>Perform independent challenges of machine learning models used for fraud detection/fraud risk management through thorough validation and ongoing monitoring</li> <li>Identify model weaknesses and opportunities for improvement</li> <li>Collaborate with model owners to remediate model validation findings</li> <li>Partner cross-functionally to implement and maintain the company’s MRM framework</li> <li>Partner with Internal Audit, Internal Controls, and Compliance to ensure timely resolution of audit and regulatory requests</li> </ul> What We Look For <ul> <li>7+ years of professional experience in related technical areas such as model development, model validation, data science</li> <li>Deep and broad knowledge and experience in machine learning modeling, fraud detection, and fraud risk management; experience in credit risk a plus</li> <li>Proven ability to work with script languages(e.g., Python) and large-scale dataset (e.g., SQL)</li> <li>Extensive experience with machine learning platforms and frameworks (e.g., scikit-learn, pyspark) and cloud-based coding environments and databases</li> <li>BS, MS, or PhD in a quantitative field such as Math, Data Science, Computer Science</li> <li>Oriented toward detail, curious about data/models/algorithms, skilled at critical thinking and problem solving</li> <li>Extraordinary interpersonal and verbal/written communication skills</li> </ul> Pay Grade - O Equity Grade - 12 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: $205,000 - $255,000 USA base pay range (all other U.S. states) per year: $182,000 - $232,000 #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Fraud Model Risk Manager, Machine Learning

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.At the Merchant Engineering team, we make products that are a joy for developers to integrate, thus making it easy for Merchants and Partners to unlock the value of being part of the Affirm network. Our goal is to build a flexible, scalable, robust platform to provide the best possible purchasing experience be it online or in-store. The purpose of the Merchant Risk Intelligence &amp; Platform (MRIP) team is to build functionalities that automate merchant risk assessment, throughout their lifecycle within Affirm. We create the necessary backend platform and by combining it with work of multiple other cross functional teams spanning all of Affirm, enable our ML engineers to build models that help automate decision making. Whether it’s about onboarding a new merchant, or constantly monitoring for trends, our team is responsible for making sure Risk is properly managed and the experience for merchants in the process is as smooth and thorough as possible. 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 &amp; 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” &amp; 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. · ​Work hand in hand with ML engineers to ensure an effective, accurate &amp; explainable decision making process for merchants @ Affirm What We Look For · You have a total of 1.5+ years of experience as a software engineer. · 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. · 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. Pay Grade - L Equity Grade - 6 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: $160,000 - $210,000 USA base pay range (all other U.S. states) per year: $142,000 - $192,000 #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Software Engineer II (Merchant Risk Intelligence & Platform)

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.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 Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis and fraud detection. What You'll Do · With the support of your team, you will work on tasks that contribute to the team's projects and goals. · You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work. · You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime. · You will contribute to a sense of community on your team by engaging in growth and development activities. What We Look For · You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using 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 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. · 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. Pay Grade - J Equity Grade - 5 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: $130,000 - $170,000 USA base pay range (all other U.S. states) per year: $115,000 - $155,000 Additional benefits include: • Flexible Spending Wallets for tech, food and lifestyle • Away Days - wellness days to take off work and recharge • Learning &amp; Development programs • Parental leave • Employee Resource &amp; Community Groups #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Software Engineer I

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.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. Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across Affirm’s product surfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize that context to own and deliver high-availability and low-latency systems on the critical paths for all of our products. What You'll Do · You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. · You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design &amp; analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. · You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. · 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” &amp; on-call efforts. · You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. · You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For · You have 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. · You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. · You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely. · 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. Pay Grade - N Equity Grade - 08 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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> 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 (Identity 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 Partner Manager will work with Affirm's most strategic third party partners to expand the distribution of Affirm's services to merchants and end users, with the ultimate goal of driving GMV and revenue growth. The Partner Manager position is a high-profile, partner-facing role requiring outstanding relationship management and strategic planning skills to influence internal and external stakeholders and create strategic opportunities. As the primary contact for Affirm partners, this role is responsible for spearheading business growth through strategic initiatives that expand Affirm's reach and create mutual value for both Affirm and its partners. What You'll Do: <ul> <li>Directly manage one of Affirm’s major platform distribution partners, spearheading strategic initiatives to foster business expansion and generate growth for Affirm </li> <li>Drive execution of the partnership’s expansion strategy into new markets, verticals and product lines </li> <li>Create and execute a partner management strategy to increase GMV, revenue, and users, while broadening Affirm's relationship coverage and influence with the partner </li> <li>Assess partner performance and propose strategies to boost product adoption, expand user awareness and visibility, and ensure continual growth through the partnership </li> <li>Orchestrate cross-functional teams across our Product, Technical, Credit, Analytics, Marketing, and Risk teams to execute partnership initiatives </li> <li>Ensure operational excellence and proactively identify areas for process improvement and program optimization, implementing changes to enhance the efficiency and effectiveness of the partnership</li> </ul> What We Look For: <ul> <li>6+ years of B2B client/partner-facing experience, preferably in a high-growth tech environment </li> <li>Vertical experience in e-commerce, fintech, payments, and/or consumer financing is preferred </li> <li>Prior role experience in strategic partnerships, business development, or enterprise client management is preferred </li> <li>Excellent customer and/or partnership relationship management skills with the ability to manage strategic accounts </li> <li>Experience in managing cross-functional projects with a high attention to detail </li> <li>An exceedingly strong communicator, both in written (e.g. proposals, memos, e-mails) and verbal communications (e.g. presenting) </li> <li>Strong analytical skills to evaluate business performance and communicate program performance to both internal and external stakeholders </li> <li>Proven ability to oversee and facilitate complex commercial contract negotiations and successful deal execution (e.g. RFPs, renewals, deal expansions) </li> <li>Create and maintain comprehensive documentation of partnership processes, programs, and key performance indicators </li> <li>Ability to adapt quickly to changing priorities, take initiative, and go beyond defined responsibilities to ensure the success of projects and the broader team</li> </ul> Base Pay Grade - K Equity Grade - 6 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. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, which includes the annual base pay and the sales incentive target. 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 On Target Earnings (CA, WA, NY, NJ, CT) per year: $210,000 - $285,000 USA On Target Earnings (all other U.S. states) per year: $186,000 - $261,000 #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Partner Manager

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.As a Senior Manager, People Business Partner (PBP), you will serve as a strategic advisor to senior leadership, driving the development of talent strategies, optimizing organizational effectiveness, and enhancing overall people performance. You will take the lead in shaping the people strategy and ensuring its alignment with broader business objectives, while fostering a high-performance culture across the organization. This senior role requires deep expertise in talent management, organizational design, and change leadership, along with a strong ability to influence and guide the business through periods of transformation and growth. Key Responsibilities: <ul> <li>Partner with senior executives and leadership teams to design and execute forward-thinking talent strategies that directly support business growth, enhance organizational capability, and drive high performance across the business.</li> <li>Provide guidance on organizational design, people strategy, and talent architecture, ensuring seamless alignment between organizational needs, business priorities, and people-related initiatives at an enterprise-wide level.</li> <li>Serve as a trusted advisor to senior leaders, coaching them on complex people challenges, leadership development, and organizational effectiveness to elevate leadership capabilities and improve team performance.</li> <li>Lead the development and execution of comprehensive talent management strategies, including performance management, talent reviews, succession planning, and high-potential development, ensuring a pipeline of future leaders aligned with business needs.</li> <li>Lead efforts to define and implement strategic workforce planning initiatives, ensuring that talent acquisition, development, and retention strategies align with the organization’s evolving business goals and objectives.</li> <li>Work in close partnership with the broader People team to drive organizational culture initiatives that reinforce a high-performance mindset, foster employee engagement, and promote a collaborative, inclusive environment across all levels of the organization.</li> <li>Leverage advanced people analytics to provide actionable insights into workforce trends, employee engagement, retention, and other key performance metrics, driving data-driven decision-making at the senior leadership level.</li> <li>Take the lead in driving large-scale organizational change initiatives, partnering with senior leadership to manage transitions, maximize employee buy-in/mitigate resistance, and ensure smooth integration during periods of transformation, mergers, or acquisitions.</li> <li>Drive leadership development initiatives, including executive coaching and succession planning, ensuring that the organization’s leadership pipeline is robust, diverse, and ready to meet future business challenges.</li> <li>Oversee the design and strategic alignment of all talent development programs, working with internal teams to ensure that learning, career development, and mobility programs align with organizational priorities and foster continuous growth.</li> <li>Take ownership of improving organizational effectiveness, employee satisfaction, and overall workforce experience by developing and implementing targeted interventions based on a deep understanding of employee needs and business priorities.</li> <li>Collaborate with the senior leadership team to drive organizational alignment, ensuring that business strategies are supported by effective talent, leadership, and people practices that enhance both individual and collective performance.</li> </ul> Qualifications: <ul> <li>Extensive experience (10+ years) in a senior People Business Partner or similar HR leadership role, ideally in a dynamic, high-growth environment.</li> <li>Strong expertise in organizational design, talent management, leadership development, performance management, and change management.</li> <li>Proven track record of influencing and partnering with senior leadership to drive strategic people initiatives.</li> <li>Exceptional business acumen with the ability to align people strategies with overarching business objectives.</li> <li>Expertise in leveraging data and analytics to drive decision-making and deliver people-related insights to senior leadership.</li> <li>Deep understanding of Diversity, Equity, and Inclusion (DEI) principles and best practices for creating inclusive workplace cultures.</li> <li>Proven ability to lead and influence large-scale organizational change and transformation efforts.</li> <li>Excellent communication, coaching, and stakeholder management skills.</li> </ul> Pay Grade - N Equity Grade - 9 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 Please note that visa sponsorship is not available for this position. #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: <ul> <li>Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents </li> <li>Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses</li> <li>Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge</li> <li>ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount</li> </ul> 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 Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

56 Affirm Jobs