Software Engineer II, Backend (Consumer Authentication)

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 Consumer Authentication Engineering team provides a seamless account creation and access experience for Affirm customers. The goal of the team is to secure the assets and loans of Affirm customers by protecting them through several security and fraud levers. The team is responsible for account recovery, and management—balancing a frictionless consumer experience with strong protections against both accidental and malicious account takeovers (ATO), while meeting evolving regulatory and compliance requirements. We are looking for a highly motivated Backend engineer to work in the Consumer Authentication team on several key architecture and product initiatives. You will also be responsible for building optimizations through experimentation and improving the conversion metrics. What You’ll Do

• Work closely with the Consumer Authentication team; Product Manager, Engineering Manager, Technical Leads and other developers in the execution of projects under the team roadmap.
• Consistently generate simple and elegant designs, and write high-quality code that can be easily understood and leveraged by others.
• Work with other cross engineering teams and other organizations for the design, implementation, roll-out and maintenance of projects.
• Participate in regular scrum meetings like Sprint Planning and Daily Stand ups.

What We Look For

• You have 2+ years of experience as a backend / server-side software engineer.
• You are proficient in designing, developing and launching backend systems at scale using technologies like Kotlin (or any JVM language), Java.
• Proficiency in Kotlin and/or Java/JVM and their associated backend ecosystem is a must (Database access, Dependency Injection, Gradle/Maven, testing tooling, etc).
• 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 are a self driven and motivated engineer who takes pride and ownership in navigating through ambiguities and solving complex technical/organizational problems.
• You have experience designing and building distributed systems and applications, real-time, scalable web services and REST APIs.
• Experience with data frameworks such as Spark, Kafka, Kubernetes and Airflow.
• Proficiency in unit & integrating testing.
• You have strong verbal and written communication skills that support effective collaboration with our global engineering team.
• You're a humble team-player who places the needs of others first and participates in the development of peers on the team.

Base Pay Grade - L Equity Grade - 5 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). CAN base pay range per year: $125,000 - $175,000Employees new to Affirm typically come in at the start of the pay range. 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. Benefits 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 Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.