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Our mission We're making Africa the first cashless continent. In 2017, over half the population in Sub-Saharan Africa had no bank account. That's for good reason—the fees are too high, the closest branch can be miles away, and nobody takes cards. Without access to financial institutions, people are forced to keep their savings under the mattress. Small business owners rely on lenders who charge extortionate rates. Parents spend hours waiting in line to pay school fees in cash. We're solving this by building financial services that just work: no account fees, instantly available, and accepted everywhere. In places where electricity, water and roads don't always work, you can still send money with Wave. In 2017, we launched a mobile app in Senegal for cash deposit, withdrawal, and peer-to-peer and business payments. Now, we have millions of users across 9 countries and are growing fast. Our goal is to make Africa the first cashless continent and that's where you come in... How you'll help us achieve it Wave is now the largest financial institution in Senegal and Côte d'Ivoire, with millions of users, growing rapidly year-on-year. And, we're still in the early days of our product roadmap and potential impact on people's everyday lives. We're looking for an engineer who's independent and excited about getting things done. You'll be responsible for building and improving the ways people pay with Wave. You'll own every step of the process: from understanding the problem to shipping your solution to users to helping the customer support team resolve problems. You'll join an autonomous, cross-functional team focused on a single area of Wave's product. Each team is led by a Product Manager and an Engineering Manager or Tech Lead. We organize projects to give you as much ownership as possible. Typically, you'll be responsible for a feature or improvement end-to-end, from design through deployment. Our to-do list changes constantly, but here are some recent projects: Enabling people to use their Wave app to pay for products in stores. Allowing people to pay their electricity bills with Wave by integrating with electrical utility companies. Building an app for business owners to pay their employees' salaries using Wave. Allowing people to pay for their transportation on taxis, trains & buses. Our stack: backend: Python 3 (+ mypy) API layer: GraphQL android frontend: Kotlin/Jetpack iOS frontend: Swift/SwiftUI web frontend: TypeScript/React database: Postgres/CockroachDB infrastructure: GCP/Terraform orchestration: Kubernetes We expect all engineers to be willing to work across the entire stack, including mobile. Prior experience in these technologies is a strong plus, but not required. Key Details This is a fully remote role. Candidates must be based in one of our talent hub countries (UK, Spain, Kenya and Ghana) or in one of our operating markets in Africa including Senegal, Côte d'Ivoire, or Burkina Faso. Wave provides a yearly $1,200 stipend to support coworking meetups with teammates. Remote team members are expected to travel to our operational markets (e.g. Senegal or Côte d'Ivoire) at least once a year. Exceptions apply, but we've found this key to understanding our users and product. Our salaries are competitive and are calculated using a transparent formula. For this role, depending on your level and location, we offer a salary of up to $152,100 USD, plus a generous equity package. Major benefits: Subsidized health insurance for you and your dependents and retirement contributions (both vary from country to country). 6 months of fully paid parental leave and subsidized fertility assistance. Flexible vacation, with most folks taking between 21-30 days exclusive of statutory holidays. $10,000 annual charitable donation matching. Requirements Minimum of 5 years of professional experience as a product engineer. Fluent in English, (bilingual in French is a big bonus!) Successful candidates must be willing to travel to one of our operating locations at least once per year for a minimum of 6 consecutive days. You might be a good fit if you Reflexively ask yourself, "is this code the best way to make my users happy?" Want to learn to solve hard problems and aren't afraid to ask for help when you get stuck. Are excited to learn about complex systems. Can communicate clearly with colleagues who work, speak and think differently. Work to make things easier for the next engineer who will touch your code. Always try to improve as a programmer and colleague. Are excited to deeply understand the inner workings of the tools you use. About engineering at Wave We care about the big picture. We don't hire engineers to just ship tickets. We hire them to solve problems. That means caring deeply about outcomes, understanding context, and jumping in wherever something's broken, even if it's technically "not your area." When we see problems, inefficiencies, or opportunities to make something better, we act. We dig into operational issues, clarify fuzzy product specs, or step into unfamiliar code to help unblock teammates. We move as fast as possible. Speed matters. It lets us try things quickly, get feedback early, and course-correct while it's cheap. So we write small PRs. We aim for MVPs. We leave TODOs and file follow-ups. We don't over-perfect v1. That said, we're building a financial product. Some things—like money movement, correctness, or security—deserve more caution. We like boring technology. We favor tools that are reliable, well-understood, and easy to debug. This keeps us focused on solving meaningful problems instead of wrestling with unpredictable infrastructure. If a new technology helps us move faster, build safer, or solve a real need, we'll consider it. But we don't adopt tools just because they're new—we adopt them because they're right. Simplicity is a strategy. It lets us focus our energy where it matters most: serving our users. #LI-DH1 #LI-REMOTE Our team We have a rapidly growing in-country team in Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Uganda, Niger, Sierra Leone, and Cameroon plus remote team members spread across the world. We're deeply passionate about our mission of bringing radically affordable financial services to the people who need them most. We foster autonomy for our employees. You'll own your projects at every stage, from understanding the problem to monitoring your solution in production. We raised the largest Series A in Africa in 2021. Our world-class investors, include Founders Fund, Sequoia Heritage, Stripe, Ribbit Capital, Y Combinator, and Partech Africa. We are on Y Combinator's top companies by revenue . How to apply Fill out the form below, and upload a resume in English and a cover letter describing your interest in Wave and the role. We review applications frequently and recommend that you apply to the role that most closely aligns with your skills, experience and career goals. Wave is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Find more English Speaking Jobs in United Kingdom on Arbeitnow

About Us We're building the world's leading cross-border fintech for emerging markets - empowering families, fueling local economies, and changing how millions access financial services. Since our launch in 2019, we have transformed how money moves across borders with our operations spanning 6 out of 7 continents and covering both the busiest and most underserved (remittance) corridors. We tapped into a massive shift - from banks to phones - bringing digital finance to places where traditional systems never reached. The next stage of growth will fuel a network of services and products especially designed to make money more accessible to diaspora communities including local cards, and additional savings and payments features. We're growing fast, backed by world-class investors, and scaling a product that blends real world impact with cutting edge fintech innovation . Here's a little more: Founded by Harvard grads and 3-time founders who previously built Segovia (acquired) and GiveDirectly (>$300M revenue, fastest-growing NGO in the world) Backed by top investors including Spark Capital, Canaan, Reid Hoffman, Breyer Capital, Unbound, Wamda, and more Built by global top performers from Bain, Google, McKinsey, Uber, Checkout, Bolt, and beyond - we move fast, stay humble, and care deeply about our mission Truly global team - 250+ people, 50+ nationalities, 50+ languages Guided by our values - ownership, impact, humility, and heart - in deed, not just word The Role We are looking for a Senior Engineer to join our growing engineering team, and build out our backend third party integration systems as we scale. For us, this isn't just about technical performance, but also supporting the internal human processes that will always power much of our product. You will work closely with Product, Operations, Customer Support, Growth and other functions to design and build out a reliable, performant, and secure platform for handling remittances across countries. As an early member of the team, we hope you will also have a lot of impact on our team culture, processes and norms. Taptap Send is a cross-platform mobile app developed with React Native and TypeScript, which talks to a backend service written in Kotlin and backed by a PostgreSQL database, all of which runs on AWS and is managed via Terraform and Ansible. This is a backend-focused role, but you will have plenty of opportunities to work across the stack to bring Taptap Send's industry-leading product to new countries.. We're an encouraging environment that values both teamwork and autonomy, and have many exciting upcoming challenges, including: scaling up to handle increased volume and complexity, helping our analysts derive business and product insights to drive growth and retention, building internal tools for our customer support and acquisition efforts, and much more! Your Responsibilities: Build out unified interface encapsulating dozens of third party payment integrations Work on one of the pillar revenue centers of the organization Take ownership of backend system architecture and implementation Build performant and resilient data flows; keeping security in mind during every step Work closely with product team to regularly ship working features Work in an iterative fashion Evaluate and deliver timeline estimates Requirements: 7+ years of professional experience building backend systems Proficiency with Kotlin or Java / JVM Proficiency with PostgreSQL Experience with AWS: S3, SQS, SNS, Lambda, etc. Experience implementing and managing elaborate integrations with third-party APIs Experience working on systems that have real-world performance and reliability constraints Experience developing software in a collaborative, multi-functional, and fast-paced environment Strong communication and ability to manage conflicting priorities, setting expectations with stakeholders and be a driving force Ideally: Experience working with Infrastructure as Code technologies, like Terraform and Ansible Experience with SRE or similar infrastructure work Experience with Data Engineering concepts and workflows High personal code/development standards (code review, unit testing, documentation, etc.) Taptap Values Impact first Team next Accept reality Propose solutions Win with grit Be proactively candid, with yourself and others Love the particular Own it Create positive energy Maybe, even have fun Taptap Send is an equal opportunity employer dedicated to building an inclusive and diverse workforce. All employment decisions are decided on the basis of qualifications, experience and business need. We strongly encourage applications who are members of underrepresented communities to apply. If you require reasonable adjustments to be made during the recruitment process, please do not hesitate to let us know. Any information you provide us in this respect will only be used to accommodate your requirements. Note: we recognize imposter syndrome is real - any candidate that does not perfectly fit every characteristic of this role is still strongly encouraged to apply. Find Jobs in United Kingdom on Arbeitnow

Firmenprofil Unser Mandant entwickelt moderne digitale Lösungen, die von namhaften Kunden aus unterschiedlichen Branchen genutzt werden. Das Unternehmen verbindet technologische Exzellenz mit einer offenen, entwicklerfreundlichen Unternehmenskultur und legt großen Wert auf nachhaltige Softwarearchitekturen, moderne Entwicklungsprozesse und die kontinuierliche Weiterentwicklung seiner Teams. Hier erwartet Sie kein Umfeld, in dem Features "einfach nur ausgeliefert" werden. Stattdessen arbeiten Sie gemeinsam mit erfahrenen Software Engineers, Product Ownern und UX-Experten an hochwertigen mobilen Anwendungen, die echten Mehrwert schaffen und von Beginn an technisch durchdacht werden. Ihre Aufgaben Entwicklung und kontinuierliche Weiterentwicklung nativer iOS-Applikationen mit Fokus auf Performance, Stabilität und Benutzerfreundlichkeit Konzeption und Implementierung moderner Softwarearchitekturen sowie technischer Lösungen für komplexe fachliche Anforderungen Enge Zusammenarbeit mit Produktmanagement, UX/UI Design und Backend-Teams innerhalb agiler Entwicklungsprozesse Durchführung von Code Reviews sowie aktive Mitgestaltung von Best Practices, Coding Standards und Entwicklungsrichtlinien Identifikation und Umsetzung von Optimierungspotenzialen hinsichtlich Codequalität, Skalierbarkeit und Wartbarkeit der Anwendungen Ihr Profil Mehrjährige Erfahrung in der nativen iOS-Entwicklung mit Swift sowie fundiertes Verständnis moderner iOS-Technologien Erfahrung mit Softwarearchitekturen wie MVVM, Clean Architecture oder vergleichbaren Konzepten Kenntnisse im Umgang mit REST-APIs, Git sowie gängigen CI/CD-Prozessen Hoher Qualitätsanspruch an sauberen, wartbaren und testbaren Code Teamorientierte Persönlichkeit mit ausgeprägter Eigenverantwortung und Freude daran, technische Entscheidungen aktiv mitzugestalten Benefits Technologischer Gestaltungsspielraum: Ihre Ideen und technischen Entscheidungen finden Gehör und können direkten Einfluss auf Produkte und Prozesse nehmen. Moderne Entwicklungsumgebung: Aktuelle Technologien, professionelle Toollandschaft und ein hoher Stellenwert für Softwarequalität. Flexible Arbeitsmodelle: Hybrides Arbeiten, flexible Arbeitszeiten und eine gelebte Vertrauenskultur. Fachliche Weiterentwicklung: Individuelle Fortbildungsangebote, Wissensaustausch im Team und Unterstützung bei Ihrer persönlichen Karriereentwicklung. Kurze Entscheidungswege: Ein Umfeld, in dem pragmatisch gehandelt wird und Innovation nicht an unnötiger Bürokratie scheitert. Kollegiales Entwicklerumfeld: Zusammenarbeit auf Augenhöhe mit erfahrenen Engineers, die Technologie als Handwerk verstehen und voneinander lernen möchten. Attraktives Gesamtpaket: Wettbewerbsfähige Vergütung sowie weitere Zusatzleistungen für Mitarbeitende. Kontakt Als spezialisierter Recruiting-Partner begleiten wir den gesamten Bewerbungsprozess persönlich und transparent. Wenn Sie Freude daran haben, hochwertige mobile Anwendungen zu entwickeln, technische Verantwortung zu übernehmen und in einem Umfeld zu arbeiten, das gute Softwareentwicklung wertschätzt, freuen wir uns auf den Austausch mit Ihnen. Find Jobs in Germany on Arbeitnow

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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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. We are looking for a Software Engineer to join the Identity Decisioning team, responsible for building backend systems that validates consumer identity in all of Affirm's products by satisfying regulatory protocols like KYC. The team partners closely with Product, Compliance, Auth, Fraud, and other engineering teams to deliver honest and transparent financial products that help consumers make their purchasing decisions. As we scale the company to be a cornerstone of all e-commerce and offline retail, it is an exciting time to join the team which sits at the core of this mission. 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 - USA 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 Pacific base pay range (CA, WA, NY, NJ, CT): $165,000 - $225,000 USD. USA Sapphire base pay range (all other U.S. states): $146,000 - $206,000 USD. 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.