Greenhouse ·
full-timeSenior Software Engineer, Backend (card Ledger & Money Movement)
Affirm · Remote US
Affirm is a financial technology company that provides buy now, pay later financing and related products, aiming to offer transparent credit without hidden fees. The Senior Software Engineer, Backend role on the Card Ledger & Money Movement team focuses on building and maintaining the backend systems that handle money movement, bank data integration, and merchant data for Affirm’s card product. Day‑to‑day responsibilities include owning quarterly goals, guiding a team of engineers through ambiguous problems, and ensuring delivery quality. The engineer collaborates with product, design, and analytics to shape technical plans, articulates constraints, and participates in risk‑tradeoff discussions. They create and monitor service metrics, support on‑call rotations, and drive improvements in code review and design standards. Mentoring junior engineers, providing feedback, and leading by example are also expected. The position suits candidates with four or more years of backend development experience using Python or Kotlin, familiarity with AWS, MySQL, and Kubernetes, and a track record of designing highly available, scalable distributed systems. Strong communication skills and a proactive approach to ownership and feedback are essential.
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 Money Movement & Card Ledger team is looking for a passionate Software Engineer to help build the tools and systems that we use to manage money movement, bank data integration & merchant data. Affirm Card is Affirm’s newest financial product that marries the functionality of a debit card with access to Affirm's buy now pay later financing options. Our ability to move money effectively is critical to our ability to reach new customers and improve financial lives. We work closely with experience, data science, product, and a wide range of engineering teams to both leverage existing systems and build new systems. This role requires a high level of technical capability, strong cross functional communication, and a creative mindset. Our work needs to be correct, scalable, and extensible. Our job is to have an industry leading money movement system to empower our product. 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 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 & 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” & 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. Base Pay Grade - N Equity Grade - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $195,000 - $255,000 USA Sapphire base pay range (all other U.S. states): $173,000 - $233,000 #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 Lifesty
| Role | Senior Software Engineer, Backend (card Ledger & Money Movement) |
|---|---|
| Company | Affirm |
| Location | Remote US |
| Compensation | Not disclosed |
| Posted | 2026-09-01 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4Senior Software Engineer, Backend (card Ledger & Money Movement) at Affirm: frequently asked questions
- What is the salary for this role?
- Affirm has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the Senior Software Engineer, Backend (card Ledger & Money Movement) position remote, hybrid or onsite?
- The listing marks this role as remote, with Remote US as the location.
- What is the application deadline?
- Affirm has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the Senior Software Engineer, Backend (card Ledger & Money Movement) role?
- Use the Apply button on this page. It opens the original listing on job-boards.greenhouse.io, where you submit your application with the company.
More at Affirm
Other jobs at Affirm
- Staff Product Manager, Consumer Growth Loyalty · Remote US
- Staff Product Manager, Comms Platform · Remote UK
- Analyst II, Full Stack · Remote Spain
- Software Engineer II, Backend (streaming) · Remote US
- Visual Designer II · Remote Canada
Internships at Affirm
- Software Engineer (machine Learning) Intern (summer 2027) · San Francisco, California, United States
- Software Engineer Intern (summer 2027) · San Francisco, California, United States
Explore Related Placements
// similar opportunities
You might also like
Software Engineer II, Backend (streaming)
Affirm
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on ...
Software Engineer II, Backend (identity Decisioning)
Affirm
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on ...
Staff Software Engineer, Backend (trust And Safety)
Affirm
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on ...
Senior Software Engineer – Backend
Rivr
RIVR, part of Amazon is a robotics company pioneering Physical AI through real-world doorstep delivery. Founded in 2024 as an ETH Zurich spin-off, RIVR develope...
Senior Software Engineer, Backend (online Storage)
Affirm
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on ...
Senior Software Engineer - SRE
Mercury
When the Tarr Steps, a footbridge assembled of heavy stones in Exmoor National Park in England, washed away in a flood in 1942, the Royal Engineers rebuilt it. ...