The Partner Merchant Interfaces - Integration team within Decisions Foundations is growing and we are looking for a Software Engineer II with a track record of leading projects and initiatives on the Partner Merchant Interfaces Team. You will be part of a fast paced team which is responsible for the APIs that Partners and Merchants use to integrate with Affirm, and also power some of our top partners like Amazon and Stripe.

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 1.5+ 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 the technologies like AWS, MySQL and Kubernetes.
· You have experience designing, developing and launching APIs at scale using languages like Python or Kotlin.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Join Affirm as a Machine Learning Engineering Manager and become a pivotal part of our innovative underwriting machine learning group. Specifically, you will manage a team of ML engineers that builds our economic decisioning engine, using novel ML techniques and rich representations of data to underwrite and optimize applications based on expected returns, lifetime value, and predicted conversion. 

In this role, you will help shape the future of machine learning at Affirm. You’ll partner with engineering, product, and risk leaders to design, implement, and scale advanced ML solutions that drive critical capabilities across the company. You will mentor engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy. 

What you’ll do

• Set the technical strategy for your team, and help your engineers tie it together with critical, business-impacting projects. 

• Act as a force-multiplier through your definition and advocacy of technical solutions and operational processes. 

• Collaborate across teams in the product development lifecycle by partnering with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. 

• Develop talent by providing feedback and guidance, and leading by example. 

What We Look For

• Bachelors in a technical field with 8+ years of industry experience, including 3+ years managing engineers

• Proficiency in machine learning with experience in areas including tree-based models, transformers, deep learning, and agentic ML. 

• Strong engineering skills and the ability to provide hands-on technical leadership while working with our code and architecture

• 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.

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - P

Equity Grade - 7

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 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: $178,000 - $228,000

Join Affirm as a Machine Learning Engineering Manager and become a pivotal part of our innovative underwriting machine learning group. Specifically, you will manage a team of ML engineers that builds our economic decisioning engine, using novel ML techniques and rich representations of data to underwrite and optimize applications based on expected returns, lifetime value, and predicted conversion. 

In this role, you will help shape the future of machine learning at Affirm. You’ll partner with engineering, product, and risk leaders to design, implement, and scale advanced ML solutions that drive critical capabilities across the company. You will mentor engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy. 

What you’ll do

• Set the technical strategy for your team, and help your engineers tie it together with critical, business-impacting projects. 

• Act as a force-multiplier through your definition and advocacy of technical solutions and operational processes. 

• Collaborate across teams in the product development lifecycle by partnering with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. 

• Develop talent by providing feedback and guidance, and leading by example. 

What We Look For

• Bachelors in a technical field with 8+ years of industry experience, including 3+ years managing engineers

• Proficiency in machine learning with experience in areas including tree-based models, transformers, deep learning, and agentic ML. 

• Strong engineering skills and the ability to provide hands-on technical leadership while working with our code and architecture

• 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.

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

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 base pay range (CA, WA, NY, NJ, CT) per year: $225,000 - $275,000
USA base pay range (all other U.S. states) per year: $200,000 - $250,000

#LI-Remote

The Fraud Machine Learning team builds models that power critical decisions during the loan application process, protecting Affirm and its customers from fraud while maintaining a seamless user experience. As a manager, you will lead a team of ML engineers developing and improving models that detect and prevent abuse in a rapidly evolving, adversarial environment.

In this role, you will define the technical and modeling strategy for fraud detection, guiding the team across the full machine learning lifecycle from feature development and experimentation to production deployment and monitoring. You will partner closely with Product, Fraud Analytics, Risk, and Platform teams to ensure high-quality models are effectively integrated into decisioning systems. You will also help drive the evolution of modeling approaches at Affirm, including the adoption of representation learning and transformer-based techniques to better capture complex behavioral patterns.

What you’ll do

• Set the technical and modeling strategy for fraud detection, aligning team efforts with key business outcomes such as fraud loss reduction, approval rates, and customer experience

• Lead a team of machine learning engineers to design, build, and iterate on high-impact fraud models across the full ML lifecycle, from experimentation to production

• Drive the evolution of modeling approaches, including the adoption of representation learning, transformer-based methods, and other advanced techniques for modeling complex behavioral data

• Partner cross-functionally with Product, Fraud Analytics, Risk, and Engineering to define solutions, evaluate trade-offs, and ensure models are effectively integrated into decisioning systems

• Develop talent by coaching engineers, providing feedback, and fostering a high-performing team culture grounded in technical excellence and ownership

What we look for

• Bachelor’s in a technical field with 8+ years of industry experience, including 3+ years managing engineers

• Experience with modern ML approaches, including representation learning, deep learning, or transformer-based models, as well as traditional methods such as gradient-boosted trees

• Proven ability to lead teams delivering end-to-end ML solutions in production environments, including experimentation, evaluation, and model iteration in production

• Strong engineering fundamentals and experience working with scalable systems and data pipelines

• Track record of effective cross-functional collaboration with product, analytics, and engineering partners

• Ability to operate in ambiguous, fast-evolving environments and drive clarity, prioritization, and execution

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - P
Equity Grade - 7

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 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: $178,000 - $228,000

#LI - Remote

On the ML Fraud team, you’ll build and improve machine learning systems that make real-time transaction decisions, protecting consumers and merchants while balancing fraud loss, customer experience, and conversion. You’ll work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as fraud patterns evolve.

What you’ll do

- You will develop and iterate on fraud prediction models using a mix of approaches for tabular and behavioral data

- You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed.

- You will prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls.

- You will help productionize models: integrate into batch and/or real-time decision systems, and improve reliability, latency, and operational robustness.

- You will instrument and monitor model and data health, and help define retraining/backtesting workflows as fraud patterns evolve.

- You will collaborate across Engineering, Fraud Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences.

What we look for

- You have a total of 2+ years of experience as a machine learning engineer or a PhD in a relevant field.

- Strong Python skills and experience writing production-quality code.

- Experience building and evaluating models for tabular classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost, or similar).

- Experience with a deep learning framework (PyTorch preferred).

- Experience working with distributed data processing or parallel compute frameworks (Spark preferred; Ray/Dask or similar).

- Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms).

- Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows.

- 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.

- You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.

- 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.

Pay Grade - L
Equity Grade - 5

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 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 - $175,000

#LI Remote

The Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis and fraud detection.

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 the technologies like AWS, MySQL and Kubernetes.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.

Compensation & Benefits

Base Pay Grade - L

Equity Grade - 3

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 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).

POL base pay range per year: 252,000 zł  -  352,000 zł            

Additional benefits include:

• Type of employment: Contract of Employment
• Flexible Spending Wallets for tech, food and lifestyle
• Away Days - wellness days to take off work and recharge
• Learning & Development programs
• Parental leave
• Employee Resource & Community Groups

This role is eligible for creative tax benefits, subject to applicable law and company policy

Location - Remote Poland

The majority of our roles can be located anywhere in Poland.

**This job description is not a contractual document, and is not intended to have binding force.**

#LI-Remote

The Fraud Machine Learning team builds models that power critical decisions during the loan application process, protecting Affirm and its customers from fraud while maintaining a seamless user experience. As a manager, you will lead a team of ML engineers developing and improving models that detect and prevent abuse in a rapidly evolving, adversarial environment.

In this role, you will define the technical and modeling strategy for fraud detection, guiding the team across the full machine learning lifecycle from feature development and experimentation to production deployment and monitoring. You will partner closely with Product, Fraud Analytics, Risk, and Platform teams to ensure high-quality models are effectively integrated into decisioning systems. You will also help drive the evolution of modeling approaches at Affirm, including the adoption of representation learning and transformer-based techniques to better capture complex behavioral patterns.

What you’ll do

• Set the technical and modeling strategy for fraud detection, aligning team efforts with key business outcomes such as fraud loss reduction, approval rates, and customer experience

• Lead a team of machine learning engineers to design, build, and iterate on high-impact fraud models across the full ML lifecycle, from experimentation to production

• Drive the evolution of modeling approaches, including the adoption of representation learning, transformer-based methods, and other advanced techniques for modeling complex behavioral data

• Partner cross-functionally with Product, Fraud Analytics, Risk, and Engineering to define solutions, evaluate trade-offs, and ensure models are effectively integrated into decisioning systems

• Develop talent by coaching engineers, providing feedback, and fostering a high-performing team culture grounded in technical excellence and ownership

What we look for

• Bachelor’s in a technical field with 8+ years of industry experience, including 3+ years managing engineers

• Experience with modern ML approaches, including representation learning, deep learning, or transformer-based models, as well as traditional methods such as gradient-boosted trees

• Proven ability to lead teams delivering end-to-end ML solutions in production environments, including experimentation, evaluation, and model iteration in production

• Strong engineering fundamentals and experience working with scalable systems and data pipelines

• Track record of effective cross-functional collaboration with product, analytics, and engineering partners

• Ability to operate in ambiguous, fast-evolving environments and drive clarity, prioritization, and execution

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

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 base pay range (CA, WA, NY, NJ, CT) per year: $225,000 - $275,000
USA base pay range (all other U.S. states) per year: $200,000 - $250,000

#LI-Remote

The Consumer Authentication Engineering team is responsible for building and operating secure, seamless account creation and access experiences for Affirm customers. The team’s mission is to empower consumers with frictionless authentication while maintaining strong protections against fraud and account takeover (ATO). This includes ownership of account creation, authentication, recovery, and account management flows, balancing user experience with security, regulatory, and compliance requirements.

ML Feature Platform is one of the two teams that compose the ML Platform at Affirm, the other team being ML Training & Serving Platform. The two platform teams work closely together to create the ML + Data flywheel that empowers Affirm. 

ML Feature Platform’s mission is to: Grow Affirm’s business by building a delightful, self-serve platform for developing and serving data for machine learning and decisioning.

As the feature platform team, we own multiple artifacts that in aggregate own the end-to-end flows for features. This includes: 

• Feature creation, exploration, and serving

• Data storage, availability, and visibility

• Offline backfilling infrastructure and platform improvements

This scope means your work will have a direct impact on the everyday lives and capabilities for our end users: MLEs, Analysts, and decisioning teams. Additionally as the primary data source for ML and online decisioning, our platform’s performance is critical to Affirm’s availability and latency goals.

We’re looking for engineers who are passionate about ML enablement and believe that platform level improvements can bring snowball effects across the company.

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 1.5+ 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 the technologies like AWS, MySQL and Kubernetes.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - L
Equity Grade - 5

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 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 - $175,000

This posting is for an existing vacancy.

#LI-Remote

The Merchant & Partner Lifecycle (M&PL) team is at the forefront of Affirm’s architectural transformation. We are addressing critical architectural risks by consolidating merchant lifecycle orchestration into a newly cohesive domain. 

You will act as a technical leader responsible for building out the brand new lifecycle-orchestrator service that’s at the heart of multiple connected systems. Your work will deliver immediate availability improvements through system simplification and isolation, and modernize older parts of the codebase.

What You'll Do

• Design & expand the backbone of our platform to scale to hundreds of thousands of merchants from all around the world
• Design and align the scope of work with other teams to deliver cross-team projects
• Mentor other engineers to ensure their development & growth
• Partner with Engineering Manager and Team Lead to drive and execute the long-term vision of the team
• Execute technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems
• Utilize agentic development tools like Claude Code to automate parts of the development process
• Improve engineering standards, tooling, and processes throughout the organization

What We Look For

• 5+ years of experience as a backend software engineer
• A strong understanding of Domain-Driven Design, distributed systems, and how architectural decisions affect performance and maintainability
• Proficiency with data models, API design (http and RPC), state machines, event-driven architecture, and database design
• Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication–written tech specs, ADRs, project plans, etc.
• Experience designing, developing, and launching backend systems (our stack: AWS, gRPC, Snowflake, Kotlin, Python, MySQL, Kubernetes). Java and Kotlin experience are especially helpful.
• Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana)

Pay Grade - N
Equity Grade - 8

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 base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - 240,000

USA base pay range (all other U.S. states) per year: $169,000-219,000

#LI-Remote

Zero To One (ZT1) is Affirm’s 0 -> 1 innovation lab, focused on turning bold ideas into validated new businesses. Operating outside the standard Product and Engineering structure, ZT1 is built for speed, autonomy, and decisive execution. We run fast, hypothesis-driven experiments with a clear goal: prototype quickly, generate real signals, and drive explicit “kill or scale” decisions on high-impact opportunities, with AI as a core enabler across the stack.

As an engineer on ZT1, you will work in a small, highly empowered, AI-native team alongside product managers and cross-functional partners, with direct exposure to senior leadership. You will not just build systems, you will help shape experiments, define technical approaches, and influence product direction. Work happens in rapid sprint cycles, where ideas quickly move from concept to AI-powered prototypes and real-world testing.

Engineers on this team are expected to be comfortable leveraging AI-first tools and approaches, including AI-assisted development, agentic workflows, automation, and rapid prototyping. You should have an eye for product and design, and be able to quickly translate ideas into functional, AI-enabled prototypes that can be tested with users or stakeholders.

This role is ideal for engineers who thrive in ambiguity, move quickly, and take ownership end to end in an AI-centric environment. You will balance speed with sound engineering judgment, contributing to both early prototypes and scalable AI-driven solutions when ideas prove viable. If you enjoy building from scratch and seeing your work directly impact company strategy, ZT1 offers a uniquely high-leverage environment.

What You'll Do

· You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
· 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 proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
· 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 foster a culture of quality and ownership on your team by setting or improving 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 a total of 4+ years of experience as a software engineer.
· You are experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes.
· You have experience shipping web apps using declarative UI frameworks like React or Vue.
· You have experience leveraging AI tools, agentic coding workflows, and automation to accelerate development, prototyping, and problem solving.

· You have strong experience leveraging AI tools, agentic coding workflows, and automation to accelerate development, prototyping, and problem solving.
· You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
· You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Base Pay Grade - N

Equity Grade - USA 8

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 base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - $240,000
USA base pay range (all other U.S. states) per year: $169,000 - $219,000

#LI-Remote

Fraud Platform team builds out the next generation of Affirm's Fraud Decisioning System. The team has a strong charter and is empowered to imagine, experiment and implement the cutting edge fraud defense solutions. We are looking for a passionate and skilled engineering manager to lead a dynamic team of 6 engineers. You’d have an opportunity to directly drive how equipped Affirm would be when it comes to protecting Affirm and our clients from the bad actors.

What You'll Do

• Collaborate with Product, Analytics, Machine Learning, Compliance, Operations and other engineering managers to develop a long term technical roadmap that meets stakeholder needs

• Recruit and hire talented engineers

• Hold a high technical bar with a bias towards longevity and simplicity via specification and architecture review

• Coach, develop, retain, and provide thoughtful feedback to team members

• Establish Objectives and Key Results (OKRs) and Key Performance Indicators (KPIs) to set the engineering team’s direction and measure its success

• Build a strong engineering culture around innovation, accountability, empathy, and execution

What We Look For

• Experience: 2-3+ years managing high performing engineering teams

• Past experience in Fraud/Risk/Financial systems is a plus

• Past experience building platform solutions is a plus

• Technical: solid engineering fundamentals and real world experience building scalable distributed backend services

• Collaborative: track record of successful cross functional collaboration especially with product managers, business partners, and engineering counterparts

• Potential: ability to grow alongside a fast growing company and team

• Humble: you lead with the humility and self-awareness needed to navigate challenging situations

• Passionate about Affirm's Mission: "Deliver Honest Financial Products that improve lives

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field

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 base pay range (CA, WA, NY, NJ, CT) per year: $225,000 - $275,000
USA base pay range (all other U.S. states) per year: $200,000 - $250,000

#LI-Remote

The Partner Merchant Interface (PMI) team builds the APIs and solutions that powers Affirm’s integrations with Enterprise Merchants and Partners. We create and manage the APIs and tools that drive checkout and merchant onboarding, and we collaborate with stakeholders to design and build custom end-to-end integrated solutions.

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 contribute to the entire API lifecycle, including designing, developing, testing, maintaining, and evolving our APIs.
• 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 5+ 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 the technologies like AWS, MySQL and Kubernetes.
• 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.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• 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.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

This posting is for an existing vacancy.

Pay Grade - N
Equity Grade - 6

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.) In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

CAN base pay range per year: $150,000 - $200,000


#LI-Remote

Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across Affirm’s product surfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize 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

· 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 1.5+ 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 the technologies like AWS, MySQL and Kubernetes.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Base Pay Grade - L

Equity Grade - 6

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 base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000
USA base pay range (all other U.S. states) per year: $142,000 - $192,000

 #LI-Remote

Identity Engineering owns the systems responsible for onboarding all consumers and managing their authentication and verification journeys across Affirm’s product surfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize 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

· 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 1.5+ 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 the technologies like AWS, MySQL and Kubernetes.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Join the Credit Engineering group and partner with Product and Credit Risk to solve complex challenges on how to protect consumers from overextending themselves while enabling Affirm to be where consumers need us most. As part of the team, you will focus on designing and implementing new features in our underwriting platform to support our partnered merchants and our users across a wide number of interfaces, including Affirm Card, ecommerce sites, and the app. You will have a direct impact on the performance of Affirm as we look to continue to grow and expand the reach out of Affirm loans in a safe and responsible way for our customers!


What You'll Do


· With the support of your team, you will work on tasks that contribute to the team's projects and goals.
· You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work.
· You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime.
· You will contribute to a sense of community on your team by engaging in growth and development activities.


What We Look For

· You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using one of Python or Kotlin.
· You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - J
Equity Grade - 5

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 base pay range (CA, WA, NY, NJ, CT) per year: $130,000 - $170,000
USA base pay range (all other U.S. states) per year: $115,000 - $155,000

#LI Remote 

The Purchasing Integrations team is responsible for the JavaScript SDK and frontend infrastructure that power Affirm at checkout. We build the library that merchants embed directly into their storefronts - rendering payment messaging and buttons, initiating checkout flows, and orchestrating secure, real-time communication with Affirm’s web app. This code runs on high-traffic production sites, so performance, resiliency, and backward compatibility are critical. Milliseconds matter, and failure is immediately visible to merchants and consumers.
 

This role is deeply frontend-focused. Engineers work on bundle optimization, script loading strategies, rendering performance, and Web Vitals, ensuring our SDK integrates cleanly into diverse merchant stacks without degrading UX. We design extensible UI components that support evolving checkout experiences while keeping integration simple and incremental for developers. Security enhancements and modern browser-based communication patterns are core to the work.
 

The team operates at the intersection of platform and product: building reusable primitives, experimenting with new checkout surfaces, and translating complex requirements into intuitive APIs and polished UI. It’s an opportunity to work on high-scale frontend systems embedded across the web—where engineering rigor directly impacts conversion, growth, and user experience.

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 1.5+ years of experience as a software engineer.
· You have experience shipping web apps using declarative UI frameworks like React or Vue.
· You have experience working with Javascript/Typescript.
· You have experience designing, developing and launching APIs at scale using languages like Python or Kotlin.
· 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.
· You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
· 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.
· This position requires either equivalent practical experience or a Bachelor’s degree in a related field.


Pay Grade - L
Equity Grade - 06

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 base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000

USA base pay range (all other U.S. states) per year: $142,000 - $192,000

#LI-Remote

The Partner Merchant Interface (PMI) team builds the APIs and solutions that powers Affirm’s integrations with Enterprise Merchants and Partners. We create and manage the APIs and tools that drive checkout and merchant onboarding, and we collaborate with stakeholders to design and build custom end-to-end integrated solutions.

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 contribute to the entire API lifecycle, including designing, developing, testing, maintaining, and evolving our APIs.
• 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 5+ 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 the technologies like AWS, MySQL and Kubernetes.
• 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.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• 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.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - N

Equity Grade - USA 8

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 base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - $240,000
USA base pay range (all other U.S. states) per year: $169,000 - $219,000

 #LI-Remote

Join the Affirm team as a Senior Staff Machine Learning Engineer and become a pivotal part of our innovative ML team. Our team is dedicated to Affirm's mission of revolutionizing financial services with transparency and inclusivity at its core. We are utilizing advanced machine learning techniques ensuring responsible and accessible financial products.

In this role, you will help shape the future of machine learning at Affirm. You’ll partner with ML Platform, engineering, product, and risk leaders to design, implement, and scale advanced modeling approaches that drive critical decisions across the company. You will elevate our modeling capabilities, influence architectural direction, and ensure our systems can support increasingly sophisticated workloads. You will mentor senior engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy. If you are passionate about modern machine learning and excited to drive high-impact innovation across a growing organization, Affirm is the place for you.

What you’ll do

• You will define and drive multi-year, multi-team technical strategy for machine learning across Affirm, ensuring alignment with company-wide priorities and influencing the roadmaps of partner teams and platforms.
• You will lead the design, implementation, and scaling of advanced ML systems, setting the architectural direction for complex, cross-functional initiatives and ensuring systems remain reliable, extensible, and prepared for increasingly sophisticated modeling workloads.
• You will partner deeply with ML Platform, product, engineering, and risk leadership to shape long-term modeling capabilities, define new opportunities for ML impact, and guide infrastructure evolution required for next-generation ML methods. 
• You will provide broad technical leadership across the ML organization, mentoring senior engineers, elevating design and code quality, and spreading ML expertise through documentation, talks, and cross-org guidance.
• You will drive clarity and alignment on ambiguous, high-stakes technical decisions, resolving cross-team tensions, balancing competing priorities, and exercising judgment optimized for the broader engineering organization.
• You will champion operational and system excellence at the area level, owning the long-term health, availability, and evolution of critical ML systems, and ensuring robust testing, monitoring, and reliability practices across teams.

What we look for

• You have 10+ years of experience researching, designing, deploying, and operating large-scale, real-time machine learning systems, with a proven record of driving technical innovation and delivering measurable business impact. Relevant PhD can count for up to 2 YOE. 
• You have experience leading end-to-end ML system design, from data architecture and feature pipelines to model training, evaluation, and production deployment. You use distributed frameworks such as Spark, Ray, or similar large-scale data processing systems.
• You are proficient in Python and ML frameworks, including PyTorch and XGBoost. You are experienced with ML tooling for training orchestration, experimentation, and model monitoring, such as Kubeflow, MLflow, or equivalent internal platforms.
• You have a strong understanding of representation learning and embedding-based modeling. You possess deep expertise in neural network-based sequence modeling, including architectures such as Transformers, recurrent, or attention-based models, and multi-task learning systems. You are comfortable designing and optimizing models that learn from sequential or temporal event data at scale.
• You have deep hands-on experience with large-scale distributed ML infrastructure, including streaming or batch data ingestion, feature stores, feature engineering, training pipelines, model serving and inference infrastructure, monitoring, and automated retraining.
• You provide strong technical leadership: defining long-term strategy, guiding research direction, and aligning work across teams. You are recognized as a trusted expert who can drive clarity and execution even in ambiguous problem spaces.
• You demonstrate exceptional judgment, collaboration, and communication skills, enabling effective technical discussions with engineers, researchers, and executives. You mentor senior engineers, foster technical excellence, and contribute to a culture of continuous learning.
• You have strong verbal and written communication skills that support effective collaboration across our global engineering organization.
• This position requires equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - R
Equity Grade - 15

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 base pay range (CA, WA, NY, NJ, CT) per year: $260,000 - $310,000
USA base pay range (all other U.S. states) per year: $232,000 - $282,000

#LI Remote 

Fraud Platform team builds out the next generation of Affirm's Fraud Decisioning System. The team has a strong charter and is empowered to imagine, experiment and implement the cutting edge fraud defense solutions. We are looking for a passionate and skilled engineering manager to lead a dynamic team of 6 engineers. You’d have an opportunity to directly drive how equipped Affirm would be when it comes to protecting Affirm and our clients from the bad actors.

What You'll Do

• Collaborate with Product, Analytics, Machine Learning, Compliance, Operations and other engineering managers to develop a long term technical roadmap that meets stakeholder needs

• Recruit and hire talented engineers

• Hold a high technical bar with a bias towards longevity and simplicity via specification and architecture review

• Coach, develop, retain, and provide thoughtful feedback to team members

• Establish Objectives and Key Results (OKRs) and Key Performance Indicators (KPIs) to set the engineering team’s direction and measure its success

• Build a strong engineering culture around innovation, accountability, empathy, and execution

What We Look For

• Experience: 2-3+ years managing high performing engineering teams

• Past experience in Fraud/Risk/Financial systems is a plus

• Past experience building platform solutions is a plus

• Technical: solid engineering fundamentals and real world experience building scalable distributed backend services

• Collaborative: track record of successful cross functional collaboration especially with product managers, business partners, and engineering counterparts

• Potential: ability to grow alongside a fast growing company and team

• Humble: you lead with the humility and self-awareness needed to navigate challenging situations

• Passionate about Affirm's Mission: "Deliver Honest Financial Products that improve lives

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field

Pay Grade - P
Equity Grade - 7

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 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: $178,000 - $228,000

#LI-Remote

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.

Trust & Safety Experience owns the customer journeys during authentication, verification, and fraud journeys. You will work as a full stack engineer, contributing to backend, web, and mobile interfaces. In this role, you will need to gain a deep understanding of the business, product and engineering context, and utilize that context to own and deliver high-availability and low-latency systems that Affirm customers use every day.

What You'll Do

• You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• 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 proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• 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 foster a culture of quality and ownership on your team by setting or improving 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 a total of 4+ years of experience as a software engineer.
• You are experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes.
• You have experience shipping web apps using declarative UI frameworks like React or Vue.
• You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
• You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
• 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.

This posting is for an existing vacancy.

We’re currently seeking a Software Engineering Apprentice to join our Engineering team. This apprenticeship will last 6 months and consist of dedicated one-on-one technical mentorship, an Affirm-specific technical project, and a curriculum designed to guide Apprentices through Affirm’s technical stack. We are particularly interested in candidates that have a passion to change the consumer finance industry for the better. 

What You'll Do

• Work with a team of engineers to build, maintain, and scale our critical experimentation, feature flag, and feature store infrastructure serving millions of customers.

• You will ship code and monitor the deployment of your work. Our Apprenticeship projects are not isolated or intended to be thrown away; your team will depend on your contributions.

• We will pair you with a dedicated mentor who will be by your side to give advice and ensure the success of your project. You can expect to meet with them on a regular basis and receive feedback.

• Apprentices will have the opportunity to share their work with the engineering organization upon completion of the program.

• With the support of your team, you will work on tasks that contribute to the team's projects and goals.

• You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work.

• You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime.

• You will contribute to a sense of community on your team by engaging in growth and development activities.

 
What We Look For

• Must be located within the United States

• Ages 18+, no college degree requirements. Affirm seeks technical proficiency via a coding school, online certification, community college, or self-taught equivalent

• Have previously worked on large scale coding projects, including work that you may have done during a bootcamp experience or on your own

• Always excited to learn and thrive in a fast pace environment

• Ability to work both independently and collaboratively

• Have sound judgement for working among ambiguity

• Be able to display empathy, humbleness, and kindness

Join the Affirm team as a Senior Staff Machine Learning Engineer and become a pivotal part of our innovative ML team. Our team is dedicated to Affirm's mission of revolutionizing financial services with transparency and inclusivity at its core. We are utilizing advanced machine learning techniques ensuring responsible and accessible financial products.

In this role, you will help shape the future of machine learning at Affirm. You’ll partner with ML Platform, engineering, product, and risk leaders to design, implement, and scale advanced modeling approaches that drive critical decisions across the company. You will elevate our modeling capabilities, influence architectural direction, and ensure our systems can support increasingly sophisticated workloads. You will mentor senior engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy. If you are passionate about modern machine learning and excited to drive high-impact innovation across a growing organization, Affirm is the place for you.

What you’ll do

• You will define and drive multi-year, multi-team technical strategy for machine learning across Affirm, ensuring alignment with company-wide priorities and influencing the roadmaps of partner teams and platforms.
• You will lead the design, implementation, and scaling of advanced ML systems, setting the architectural direction for complex, cross-functional initiatives and ensuring systems remain reliable, extensible, and prepared for increasingly sophisticated modeling workloads.
• You will partner deeply with ML Platform, product, engineering, and risk leadership to shape long-term modeling capabilities, define new opportunities for ML impact, and guide infrastructure evolution required for next-generation ML methods. 
• You will provide broad technical leadership across the ML organization, mentoring senior engineers, elevating design and code quality, and spreading ML expertise through documentation, talks, and cross-org guidance.
• You will drive clarity and alignment on ambiguous, high-stakes technical decisions, resolving cross-team tensions, balancing competing priorities, and exercising judgment optimized for the broader engineering organization.
• You will champion operational and system excellence at the area level, owning the long-term health, availability, and evolution of critical ML systems, and ensuring robust testing, monitoring, and reliability practices across teams.

What we look for

• You have 10+ years of experience researching, designing, deploying, and operating large-scale, real-time machine learning systems, with a proven record of driving technical innovation and delivering measurable business impact. Relevant PhD can count for up to 2 YOE. 
• You have experience leading end-to-end ML system design, from data architecture and feature pipelines to model training, evaluation, and production deployment. You use distributed frameworks such as Spark, Ray, or similar large-scale data processing systems.
• You are proficient in Python and ML frameworks, including PyTorch and XGBoost. You are experienced with ML tooling for training orchestration, experimentation, and model monitoring, such as Kubeflow, MLflow, or equivalent internal platforms.
• You have a strong understanding of representation learning and embedding-based modeling. You possess deep expertise in neural network-based sequence modeling, including architectures such as Transformers, recurrent, or attention-based models, and multi-task learning systems. You are comfortable designing and optimizing models that learn from sequential or temporal event data at scale.
• You have deep hands-on experience with large-scale distributed ML infrastructure, including streaming or batch data ingestion, feature stores, feature engineering, training pipelines, model serving and inference infrastructure, monitoring, and automated retraining.
• You provide strong technical leadership: defining long-term strategy, guiding research direction, and aligning work across teams. You are recognized as a trusted expert who can drive clarity and execution even in ambiguous problem spaces.
• You demonstrate exceptional judgment, collaboration, and communication skills, enabling effective technical discussions with engineers, researchers, and executives. You mentor senior engineers, foster technical excellence, and contribute to a culture of continuous learning.
• You have strong verbal and written communication skills that support effective collaboration across our global engineering organization.
• This position requires equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - R
Equity Grade - 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 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: $206,000 - $256,000

This posting is for an existing vacancy.

#LI-Remote

The Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints, and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis, and fraud detection.

We’re looking for a Senior Software Engineer to join our fully remote team based in Europe.

What You'll Do

• You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• 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 proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• You will drive detailed project definition, design, cross-functional alignment, estimation, in addition to task break-down, delivery, monitoring, and maintenance.
• 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.
• You will mentor engineers on the team to help improve their designs, code quality, and testing.
• You will own the availability, reliability, and performance of your team’s systems.
• On-Call Rotation - There would be an on-call rotation for this role as a requirement.

What We Look For

• You have 4+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers.
• You have experience designing, developing and launching backend systems at scale and are proficient in one of Python or Kotlin
• You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• You are expert at synthesizing complex business products, and technical requirements to consistently produce high quality system designs and software.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
• You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
• 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.

The Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints, and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis, and fraud detection.

We’re looking for a Senior Software Engineer to join our fully remote team based in Europe.

What You'll Do

• You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• 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 proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• You will drive detailed project definition, design, cross-functional alignment, estimation, in addition to task break-down, delivery, monitoring, and maintenance.
• 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.
• You will mentor engineers on the team to help improve their designs, code quality, and testing.
• You will own the availability, reliability, and performance of your team’s systems.

What We Look For

• You have 4+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers.
• You have experience designing, developing and launching backend systems at scale and are proficient in one of Python or Kotlin
• You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• You are expert at synthesizing complex business products, and technical requirements to consistently produce high quality system designs and software.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
• You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
• 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.

Compensation & Benefits

Base Pay Grade - N

Equity Grade - 4

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 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).

POL base pay range per year: 301,000 zł  -  401,000 zł     

Additional benefits include:

• Flexible Spending Wallets for tech, food and lifestyle
• Away Days - wellness days to take off work and recharge
• Learning & Development programs
• Parental benefits
• Employee Resource & Community Groups

This role is eligible for creative tax benefits, subject to applicable law and company policy

Location - Remote Poland

The majority of our roles can be located anywhere in Poland.

**This job description is not a contractual document, and is not intended to have binding force.**

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