Software Engineer II, Backend (Card)

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. The Card team is responsible for the Card products at Affirm. Our central focus is developing high quality, seamless, scalable and flexible platforms that enable users to get transparent, honest financing for their purchases anywhere with Affirm’s card products. As a Software Engineer on the Card Checkout team, you will play a critical role in the development and implementation of complex software systems that allow for a seamless checkout experience for our users. We're looking for a highly motivated Software Engineer to join the Card engineering team within the Direct to Consumer organization. Our team focuses on the in-app experience of Affirm Card products. We are a full-stack team of backend and mobile engineers partnering closely with product, design, and analytics to build scalable systems and experiences that power our Card products. 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 & 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” & 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. What We Look For • You have a total of 2+ years of experience as a software engineer. • You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. • You are familiar with the building blocks of distributed systems, and technologies like AWS, MySQL and Kubernetes. • You write high quality code that is easily understood and used by others. • You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. • 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. • 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. T otal rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade 259,000 zł - 379,000 zł Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm’s parent company grows, employees have the opportunity to share in that growth financially. Affirm Holdings, Inc. Equity Grade Equity grade: 3 (awarded in US