Jobs / United States / Affirm INC
Senior Software Engineer, Backend (Card Loan Platform)
Affirm INC · 🇺🇸 Remote US · Remote
Sponsorship verdict
Sponsorship possible
One solid signal, not two — worth applying, and worth asking about sponsorship early.
- Employer is on a government sponsor recordThe US Department of Labor certified 59 H-1B/E-3 labor condition applications for this employer between Oct 2025 and Jun 2026 (latest Jun 2026) — the step every H-1B hire needs first. USCIS also records 40 H-1B approvals in FY2023. Source: LCA disclosure data (US Department of Labor (OFLC)).
- The posting doesn’t mention sponsorshipSilence isn’t a refusal — ask the recruiter before investing much time.
- No salary bar for this routeH-1B has no fixed salary bar: the employer must pay at least the prevailing wage for the role and area. Cap-subject employers enter a lottery weighted by wage level. Source: https://www.federalregister.gov/documents/2025/12/29/2025-23853/weighted-selection-process-for-registrants-and-petitioners-seeking-to-file-cap-subject-h-1b, rules effective 2026-02-27.
- What Affirm INC paid sponsored hires in similar roles11 certified filings for “Senior Software Engineer” (Software Developers) in CA: $140k–$190k, median $160k. Most were filed at wage level I (36%) — 1 lottery entry, ≈15% projected selection odds for cap-subject employers. Source: US Department of Labor LCA disclosure data (Oct 2025 – Jun 2026).
- Confirmed live todayWhen a source last listed this job as open.
US H-1B: cap-subject employers enter a lottery weighted by wage level — Level I gets 1 entry, Level IV gets 4 (DHS projected selection odds ≈15% at Level I to ≈61% at Level IV). Universities and non-profit research employers are cap-exempt. The $100,000 fee for new petitions from abroad is currently blocked by a court order (appeal pending).
A verdict summarises public evidence; it is not legal advice and never a guarantee — the employer and the immigration authority decide. Sign in to factor in where you can already work.
Or apply yourself on the official page →
Sponsor Radar — Affirm INC
The US Department of Labor certified 59 H-1B/E-3 labor condition applications for this employer between Oct 2025 and Jun 2026 (latest Jun 2026) — the step every H-1B hire needs first. USCIS also records 40 H-1B approvals in FY2023. Source: LCA disclosure data (US Department of Labor (OFLC)).
Past sponsorship or register membership never guarantees sponsorship for this vacancy or for you. Full Sponsor Radar for Affirm INC →
About the role
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 Loan Platform team builds the high-throughput decision engine at the heart of Affirm’s card products. Unlike traditional cards, every pay-later transaction is backed by its own unique loan, and our system is the "invisible piping" that makes this complex model work at scale. Every swipe triggers our platform to solve a hard problem in milliseconds: matching messy, fragmented payment network data to the correct loan to drive real-time approvals, origination, and refunds. As Affirm experiences explosive growth, our team's contributions are a key enabler. This isn't just another backend role; you'll be building the "financial brain" for our flagship card products, with your work on the critical path for every single swipe. We're tackling a unique, high-stakes distributed systems challenge that demands exceptional correctness and massive scale. You will partner closely with product, data science, and engineering teams to design and build the future of our industry-leading money movement platform. If you are passionate about making foundational design decisions and building a beloved, lasting financial brand—come join us. It’s going to be an amazing ride! What you'll do • Drive technical strategy by leading the planning, prioritization, and execution of projects, ensuring alignment with product, technical, and business goals. • Lead the end-to-end system design and development of large-scale, high-availability services. This includes building robust APIs and data models for our micro-service and event-driven architectures. • Collaborate across functions with partners in Product, Analytics, Design, Legal, and Accounting and to define requirements and execute our card loan attribution and lifecycle strategy. • Ensure system health and performance by analyzing and troubleshooting complex technical issues, optimizing existing code, and driving solutions that focus on long-term robustness and scalability. • Mentor and grow the team by guiding junior engineers, leading technical discussions and design reviews, and championing best practices through code review. What we look for • 5+ years of experience in software development or engineering, with a deep understanding of system design and architecture. • Motivated leader, inspiring team growth and fostering a culture of continuous learning • Excellent communicator, adept at sharing complex ideas with diverse audiences. • Strong analytical and problem-solving skills, with a creative and solution-oriented mindset. • Proficiency in modern programming languages such as Python, Kotlin, or similar. • Experience with cloud platforms (AWS, Azure, Google Cloud) and containerization (Docker, Kubernetes). • Knowledge of database systems (SQL, NoSQL), web frameworks, and RESTful API development. • 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 Remote-first with flexibility buil