Software Engineer II, Backend (Credit Decisioning)

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 Credit Decisioning team is essential to every transaction at affirm, providing scalable underwriting decisions for integrated point‑of‑sale (POS) merchants and wallet platforms across the US, Canada, and the UK.

This specific role is within the Credit Core sub‑team, which focuses on building the foundations and credit levers for scaling our underwriting and providing responsible access to credit. A key part of this team’s work involves developing new underwriting features and products to expand affirm’s product offerings and enable sustainable growth.

Working closely with cross‑functional partners in Engineering, ML, Risk, Analytics, Product, and Capital, this role offers a direct opportunity to work on launches that have a significant business impact.

What You’ll Do