Software Engineer II, Backend (Identity Decisioning) Join to apply for the Software Engineer II, Backend (Identity Decisioning) role at Affirm . Affirm reinvents 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. Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across Affiliate’s product surfaces. In this role, you will gain a deep understanding of the business, product and engineering context, and use that context to own and deliver high‑availability and low‑latency systems on the critical paths for all of our products. What You’ll Do Break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery. Support peers and stakeholders in the product development lifecycle by collaborating with product management, design and analytics, articulating technical constraints, and partnering on decisions that consider risks and trade‑offs. Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and participating in on‑call efforts. Contribute to a sense of community on your team by engaging in growth and development activities such as interviewing candidates. What We Look For 1.5+ years of experience as a software engineer. Experience designing, developing and launching backend systems and proficiency in either Python or Kotlin. Familiarity with the building blocks of distributed systems and technologies such as AWS, MySQL and Kubernetes. Ability to transform a simple problem or business scenario into a solution that interacts with multiple components, writing clear, well‑tested and extensible code. Comfort navigating a large code base, debugging others’ code and providing constructive feedback through code reviews. Ownership of personal growth and proactive feedback seeking from team, manager and stakeholders. Strong verbal and written communication skills that support effective collaboration with a global engineering team. Equivalently practical experience or a Bachelor’s degree in a related field. Pay & Benefits Pay Grade – LEquity Grade – 5 Base pay range: $125,000 – $175,000 per year Monthly stipends for health, wellness and tech spending, plus benefits including 100% subsidized medical coverage, dental and vision for you and your dependents. Remote‑first company: work from anywhere within your country; occasionally required to work from an assigned office. Competitive benefits package anchored to our core value of people first. Highlights include: Health care coverage – all premiums covered for all levels of coverage for you and your dependents Flexible Spending Wallets – generous stipends for Technology, Food, lifestyle needs and family forming expenses Time‑off – competitive vacation and holiday schedules ESPP – employee stock purchase plan enabling you to buy shares at a discount We’re extremely proud to offer 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. By clicking “Submit Application,” you acknowledge that you have read Aff irm’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. #J-18808-Ljbffr