Software Engineer II, Backend (Credit Decisioning) at Affirm | Remote Canada

At Affirm, we are transforming the world of credit to make it more transparent and consumer-friendly, allowing individuals to purchase items now and pay later without unexpected fees or accumulative interest.The Partner Merchant Interfaces - Integration team within Decisions Foundations is expanding, and we are seeking a Software Engineer II who has a proven history of leading projects and initiatives within the Partner Merchant Interfaces Team. Join a dynamic environment where you will work on the APIs that our Partners and Merchants utilize to seamlessly connect with Affirm, including major partners like Amazon and Stripe.

At Affirm, we are revolutionizing the credit landscape, making it more transparent and user-friendly. Our mission empowers consumers with the flexibility to buy now and pay later, free from hidden fees and compounding interest.Our Engineering team is the backbone of Affirm’s mission, dedicated to crafting reliable, high-performance, and scalable solutions that impact every aspect of our business. Whether we’re developing innovative payment methods, ensuring our platforms meet industry-leading scalability, or creating seamless customer service experiences, we focus on tackling complex challenges with exceptional engineering prowess.About the TeamThe Growth Platform Engineering team is responsible for building the essential systems and tools that drive user acquisition, engagement, and lifecycle growth at Affirm. Our platform facilitates personalized communications, intelligent experimentation, and scalable services that enable customers to discover and embrace Affirm’s offerings.We work in close collaboration with Product, Data Science, and Experience teams to design APIs, event-driven services, and experimentation frameworks that reach millions of customers across numerous merchants. The work of this team directly influences customer interactions with Affirm and fuels our long-term growth strategy.Your ResponsibilitiesLead your team in achieving quarterly goals by navigating ambiguity and solving complex, open-ended problems while ensuring team support throughout project delivery.Collaborate with product management, design, and analytics during the product development lifecycle, participating in ideation, clarifying technical constraints, and making informed decisions that account for risks and trade-offs.Proactively identify and advocate for solutions to project, process, technology, or business challenges.Oversee the operations and availability of your team’s artifacts by establishing and tracking metrics, escalating issues when necessary, and supporting ongoing maintenance and on-call responsibilities.Promote a culture of quality and ownership within your team by setting and enhancing code review and design standards, and advocating for these practices through documentation and technical presentations.Mentor and develop team talent by providing constructive feedback and leading by example.Qualifications We SeekA minimum of 4 years of experience in designing, developing, and launching scalable backend systems using programming languages such as Python or Kotlin.

At Affirm, we are transforming the credit landscape to prioritize transparency and user-friendliness, empowering consumers to make purchases now and pay later with no hidden fees or accumulating interest.We are on the hunt for a talented Software Engineer II to become a vital member of our AI Agents engineering team within the Servicing Engineering organization. This team collaborates closely with an omnichannel AI agent vendor to deliver a conversational first point of contact for our customers. Our focus lies in orchestrating Affirm's systems to continuously innovate and find solutions for our customers. As we navigate uncharted territories, we seek a proactive individual who is ready to take ownership and deliver results.Key Responsibilities· Collaborate with your team’s tech lead and manager to decompose larger projects into manageable tasks, delivering them in phases while ensuring timely completion.· Partner with product management, design, and analytics throughout the product development lifecycle, engaging in ideation, articulating technical constraints, and making informed decisions that weigh risks and trade-offs.· Ensure the operations and availability of your team's deliverables by establishing metrics, escalating issues when necessary, and supporting ongoing maintenance and on-call duties.· Foster a sense of community within your team by engaging in growth and development initiatives, including participating in the interview process.

At Affirm, we are revolutionizing the credit landscape to ensure it is transparent and user-friendly. We empower consumers with the flexibility to purchase now and pay later, free from hidden fees and compounding interest.The Streaming team at Affirm is crucial to our operations, shaping the strategy around event-driven architecture, stream processing, data replication, exploration, discovery, and validation. We leverage leading open-source technologies like Kafka, Flink, and Spark, and develop custom solutions as necessary to create robust real-time data processing pipelines that efficiently manage vast data volumes across our distributed systems.As a member of our team, you will engage in identifying new applications for streaming data infrastructure, designing and scaling our existing systems, and collaborating with various teams to optimize data utilization across the organization. This role demands in-depth expertise in stream processing technologies and a dedication to constructing scalable, fault-tolerant data infrastructures.

At Affirm, we are transforming the credit landscape to make it more transparent and user-friendly, allowing consumers to buy now and pay later without hidden fees or compounding interest.We are on the lookout for an experienced Engineering Manager to spearhead our Continuous Integration (CI) and Build Infrastructure team. This pivotal role is essential for ensuring the reliability, scalability, and efficiency of our development pipelines, empowering engineers throughout the organization to deliver high-quality software rapidly and with confidence. The CI Manager will be responsible for the design, implementation, and enhancement of systems that facilitate automated testing, build orchestration, and deployment.

At Affirm, we're redefining credit to create a more transparent and approachable experience for consumers, allowing them to buy now and pay later without hidden fees or compounding interest.We have successfully advanced our mission of delivering honest financial products that positively impact lives. The Affirm Card is crucial to this mission, and as we look ahead, we anticipate its continued significance. We are on the lookout for a Director to spearhead the Card Platform and Experiences team.

Join Affirm's dynamic Consumer Engineering team as a Senior Backend Software Engineer. In this remote role, you will play a pivotal part in designing and implementing scalable backend services that enhance user experience and drive business growth. Collaborate with cross-functional teams to deliver high-quality solutions and take ownership of significant projects that impact our customers.

At Affirm, we are transforming the concept of credit to make it more transparent and user-friendly, empowering consumers with the flexibility to buy now and pay later, free from hidden fees or accumulating interest. The Identity Engineering team is responsible for the systems that facilitate the onboarding of all consumers and oversee their authentication and verification processes across Affirm's various products. In this role, you will develop a comprehensive understanding of our business, products, and engineering landscape, leveraging that knowledge to deliver high-availability and low-latency systems essential to all our offerings.Your Responsibilities· Collaborate with your team lead and manager to decompose larger projects into manageable tasks, delivering them in phases while ensuring timely completion.· Engage with peers and stakeholders throughout the product development lifecycle by working alongside product managers, designers, and analysts, contributing to ideation, articulating technical constraints, and collaborating on decisions that weigh risks and trade-offs effectively.· Ensure operational excellence and the availability of your team’s outputs by developing and monitoring metrics, addressing issues as they arise, and supporting ongoing operational efforts.· Foster a collaborative and growth-oriented team culture by participating in activities such as the interview process.

Join our dynamic team at Affirm as a Backend Software Engineer II specializing in Consumer Authentication. In this remote role, you will play a pivotal part in enhancing our authentication processes, ensuring user security and satisfaction. We are looking for passionate individuals who thrive in a collaborative environment and are eager to contribute to innovative solutions that impact millions of users.

At Affirm, we're transforming credit into a more transparent and user-friendly experience, empowering consumers to buy now and pay later with no hidden fees or compounded interest.The Growth Platform team is responsible for developing shared backend systems that facilitate incentives, experimentation, personalization, and data-driven decision-making throughout Affirm’s consumer and merchant interactions, significantly impacting customer acquisition, engagement, and retention.

At Affirm, we are transforming the credit landscape to make it transparent and consumer-friendly, allowing individuals to buy now and pay later without any hidden fees or compound interest.The Partner Merchant Interface (PMI) team is responsible for developing the APIs and solutions that drive Affirm’s partnerships with enterprise merchants. Our team designs and manages the APIs and tools that facilitate seamless checkout experiences and merchant onboarding, working closely with stakeholders to craft tailored end-to-end integrated solutions.

As a Senior Backend Software Engineer at Affirm, you will play a pivotal role in shaping our streaming infrastructure. You will collaborate with cross-functional teams to design, develop, and optimize backend systems that support our innovative financial solutions. Your expertise will help enhance the scalability and reliability of our services, ensuring a seamless experience for our users.

Join Affirm as a Senior Backend Software Engineer specializing in Merchant Advocacy. You will be responsible for designing, developing, and maintaining robust backend systems that support our merchant partners. Collaborate with cross-functional teams to implement solutions that enhance merchant experiences and ensure seamless integration of our payment solutions.

About Us:At Atolio, we pride ourselves on being a fully remote and well-funded startup, founded by industry veterans from Splunk and PagerDuty. Our mission is to revolutionize access to organizational knowledge, making it instantly available across various applications, services, and platforms. As an early-series startup, we leverage advanced machine learning and AI to tackle some of the most intricate challenges in enterprise search, including indexing, retrieval, and multi-cloud scaling (AWS, GCP, Azure). Our collaborative culture, state-of-the-art tools, and extensive benefits create an environment where innovation and creativity flourish.About the Role:In the capacity of a Senior Backend Engineer, you will be instrumental in developing distributed backend services deployed in Kubernetes across AWS, GCP, or Azure, facilitating enterprise-grade applications integrated with services like Okta. You will also be responsible for constructing scalable, cloud-native systems using Golang. This role is perfect for those who excel in dynamic, uncertain environments, enjoy tackling intricate infrastructure and systems challenges, and possess excellent communication skills in a fully remote setting.Your Responsibilities Will Include:Designing, building, and maintaining high-performance, cloud-native backend services using Golang within a modern microservices architecture.Utilizing a profound understanding of computer science principles, including algorithms, data structures, operating systems, and distributed systems to address complex, real-world challenges.Deploying and managing services in Kubernetes across AWS, GCP, or Azure, with an emphasis on reliability, observability, and performance.Integrating with enterprise systems and security protocols, including SSO/IdP providers like Okta, to facilitate large-scale deployments.Leading projects from inception to execution.Overseeing the architecture and design of new product features and services.Collaborating across teams to define technical requirements, design architecture, and deliver impactful solutions in a fast-paced startup environment.Working across the stack as needed, particularly at the intersection of backend services and other infrastructure layers.What We Seek:A solid grasp of core computer science principles, including algorithms, data structures, operating systems, distributed systems, networking, and concurrent programming.5+ years of experience in designing, implementing, and maintaining highly scalable cloud-native applications.

Role overview This Senior Backend Software Engineer position at Affirm focuses on continuous delivery for financial technology products. The role centers on building and maintaining backend systems that directly impact the user experience. The work involves designing scalable solutions that support Affirm's offerings. What you will do Develop and improve backend systems with a focus on reliability and scalability Collaborate with engineering, product, and design teams to deliver new features Use continuous delivery practices to streamline deployment and strengthen system stability Offer ideas and solutions that align with business objectives Location This is a remote role open to candidates based in Canada.

Cresta is dedicated to transforming every customer interaction into a strategic advantage by harnessing the full potential of contact centers. Our innovative platform merges cutting-edge AI with human expertise to provide contact centers with invaluable customer insights, optimize processes, automate conversations, and empower team members to excel in their roles. Founded by the visionary Sebastian Thrun, renowned for his work with Google X and Waymo, and supported by an exceptional leadership team including CEO Ping Wu and co-founder Tim Shi, we are on the forefront of AI advancements.Join us on this exciting journey to redefine the future of work through AI at Cresta.About the Role:The AI Agent team at Cresta is developing enterprise-grade AI Agents designed to function effectively within real-world contact center settings. A vital aspect of this mission is to ensure that our AI Agents can integrate seamlessly with various CCaaS platforms (Contact Center as a Service), facilitating smooth transitions between AI and human agents as required.This role focuses on building robust backend systems that empower our AI Agents to:Integrate extensively with leading CCaaS platformsEngage in live customer conversations across voice and chatMaintain a complete conversation state and contextExecute real-time actions within the CCaaS ecosystemEffortlessly transition conversations to human agents without losing context, history, or workflow stateAssist human agents with AI support post-transferWe seek talented backend engineers eager to work at the intersection of distributed systems, real-time communication, enterprise integrations, and AI orchestration.This is not merely a research position; it is focused on constructing production-grade infrastructure that ensures AI Agents operate reliably within mission-critical customer environments.Why This Role Is Unique:AI + Real-Time Systems: Contribute to infrastructure that enables AI Agents to participate in live conversations on a large scale.Enterprise-Grade Integrations: Design robust connections with major CCaaS platforms and customer systems.

Join Affirm as a Software Engineering Manager specializing in Fraud Prevention. In this pivotal role, you will lead a team of talented engineers, driving innovative solutions to combat fraud and enhance our systems. You will collaborate closely with cross-functional teams to design and implement effective strategies that protect our customers and the integrity of our platform.Your leadership will be critical in mentoring engineering talent, fostering a culture of excellence, and ensuring the delivery of high-quality software that meets our security standards.

At Affirm, we're transforming the credit landscape by making it more transparent and user-friendly. We empower consumers with the flexibility to buy now and pay later, free from hidden fees and compounding interest.As a Process Excellence Manager, you will be an integral part of Affirm's Shared Services team within our Operations organization. We are looking for an experienced, data-driven professional who excels in designing streamlined and effective business processes in a dynamic environment. As a senior individual contributor, you will be pivotal in planning, coordinating, and overseeing multiple projects that align with our strategic objectives. This role ensures timely and budget-conscious delivery of initiatives while achieving desired business outcomes. You will collaborate across departments to align teams, manage dependencies, and monitor performance against targets. Your role will represent the Operations Organization and ensure operational readiness for vital business changes.

Affirm seeks a Senior Staff Software Engineer to join the Consumer Engineering group, focusing on web infrastructure. This remote role is open to candidates based in Canada. What you will do Design, build, and maintain scalable web applications that shape the consumer experience at Affirm. Collaborate with cross-functional teams to enhance and support web infrastructure. Emphasize performance, security, and reliability throughout all projects. Location This position is remote within Canada.