Staff Software Engineer, Backend (Identity Decisioning)

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 what matters most. Affirm’s Identity team is mission-critical to the customer checkout experience. When a customer chooses Affirm, one of the first steps is an identity check, and our ability to make the right decision directly impacts conversion, revenue, fraud exposure, and regulatory compliance. Our team owns Identity for all markets outside North America, playing a key role in Affirm’s international expansion. We are responsible for KYC, user lifecycle management, and identity decisioning across multiple regulatory environments. This work is about shaping how Affirm adapts its core Identity platform to new market dynamics, customer expectations, and compliance requirements. What you'll do You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, polcities, testing and alerting in place to support “keep the lights on” & on-call efforts. You will foster a culture of quality and ownership on your team by setting 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 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes. You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work. Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers. 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 - 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 Pacific base pay range (CA, WA, NY, NJ, CT): $230,000 - $290,000 USA Sapphire base pay range (all other U.S. states): $204,00 - $264,000 #LI-Remote Remote-first with flexibility built in Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience. Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights: • Health coverage at no cost: We cover 100% of premiums for employees and their dependents. • Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. • Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. • Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.