Careers at Affirm

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 Money Movement & Card Ledger team is looking for a passionate Software Engineer to help build the tools and systems that we use to manage money movement, bank data integration & merchant data. Affirm Card is Affirm’s newest financial product that marries the functionality of a debit card with access to Affirm's buy now pay later financing options. Our ability to move money effectively is critical to our ability to reach new customers and improve financial lives. We work closely with experience, data science, product, and a wide range of engineering teams to both leverage existing systems and build new systems. This role requires a high level of technical capability, strong cross functional communication, and a creative mindset. Our work needs to be correct, scalable, and extensible. Our job is to have an industry leading money movement system to empower our product. Affirm is experiencing explosive growth with millions of customers across thousands of merchants in-store and online, and your contributions will be a key enabler of that growth. Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride! 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 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. 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 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 built in Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience. Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. About the InfoSec & IT Team The Application Security team helps Affirm build and launch products that earn customer trust, meet compliance obligations, and reduce business risk. We partner closely with product, engineering, infrastructure, risk, compliance, and other teams to identify security risks early, recommend pragmatic mitigations, and help teams find safe paths to launch. We are looking for an early-career Application Security Engineer who is curious, collaborative, and comfortable working with code. You will help assess application risks, support vulnerability management efforts, partner with engineering teams on secure design decisions, and contribute lightweight tooling, automation, and code-informed analysis that helps AppSec scale across Affirm. This role is a great fit for someone who has hands-on software or security experience, enjoys reading and reasoning about code, is actively developing offensive security skills, and wants to apply those skills in a product-minded, risk-based way. What You'll Do Partner with product and engineering teams to identify application security risks and help frame them as clear business risks, launch options, and recommended next steps. Read application code, configuration, pull requests, logs, and documentation to understand how systems work and where security risks may exist. Contribute small code changes, scripts, detections, tests, secure defaults, or automation that improve AppSec workflows and reduce recurring issues. Work in GitHub to review code changes, understand engineering context, participate in pull request discussions, track remediation work, and collaborate with engineers. Help evaluate vulnerabilities from internal testing, bug bounty reports, security tooling, penetration tests, and other sources; partner with teams to prioritize and remediate issues based on real-world risk. Contribute to vulnerability management workflows, including triage, validation, severity assessment, remediation guidance, tracking, and reporting. Translate recurring security findings into repeatable mechanisms such as secure coding guidance, checklists, paved paths, lightweight automation, detection logic, reusable review patterns, or developer-facing documentation. Work with engineers to understand system designs, data flows, trust boundaries, authentication and authorization models, code paths, and potential abuse cases. Communicate security issues clearly to both technical and non-technical audiences, including the risk, tradeoffs, recommended mitigations, and residual risk. Build strong relationships across Affirm teams and influence security outcomes without relying on formal authority. Help connect AppSec work to customer trust, regulatory/compliance expectations, operational resilience, and business outcomes. Continue developing hands-on offensive, defensive, and software engineering skills through practical work, labs, tooling, research, certifications, or contributions to internal security programs. What We Look For 4+ years of experience in application security, software engineering, security engineering, vulnerability management, penetration testing, security operations, or equivalent practical experience. Foundational programming ability in one or more languages such as Python, JavaScript/TypeScript, Kotlin, or similar. Comfort reading, navigating, and reasoning about code, even in unfamiliar codebases. Experience using Git and GitHub or similar version-control workflows, including branches, commits, pull requests, code review, issues, or project tracking. Some hands-on experience building, testing, breaking, or securing software. This could include professional experience, internships, security labs, CTFs, bug bounty work, open-source contributions, personal projects, automation scripts, internal tools, or coursework. Ability to write clear, maintainable scripts or small programs to solve practical problems, automate manual workflows, analyze data, validate findings, or improve security processes. Foundational understanding of common web, API, mobile, cloud, and application security risks, such as OWASP Top 10 issues, authentication and authorization flaws, injection, insecure design, secrets exposure, dependency risks, and data protection concerns. Interest in offensive security, such as studying for or completing security certifications, practicing web/API testing, learning exploit development fundamentals, using tools like Burp Suite, or participating in labs and capture-the-flag environments. Exposure to vulnerability management concepts, including triage, severity assessment, remediation tracking, false-positive analysis, compensating controls, and risk-based prioritization. Ability to reason about risk and tradeoffs, not just identify issues. You can explain what could go wrong, how likely it is, what impact it may have, and what options exist to reduce risk. Strong product and engineering empathy. You seek to understand launch goals, technical constraints, user impact, and business priorities before recommending a path forward. Clear written and verbal communication skills, including the ability to explain security findings in practical, actionable terms. A collaborative mindset and comfort working across product, engineering, compliance, risk, infrastructure, and security teams. Curiosity, humility, and a growth mindset. You proactively seek feedback, ask good questions, and continue building your technical depth. Secure-by-design judgment, including the ability to spot patterns, recommend simple controls, and balance launch velocity with meaningful risk reduction. Base 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: CAD $133,000 - $183,000 Location - Remote Canada This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan. #LI-Remote Remote-first with flexibility built in Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience. Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.