Affirm · 6 hours ago
Senior Software Engineer, Backend (Credit Reports)
Richmond, VA
Full-time
Hybrid
Mid, Senior Level
$190K/yr - $240K/yr
4+ years expAffirm is reinventing credit to make it more honest and friendly, and they are seeking a Senior Software Engineer to join their Credit Reports team. This role involves owning and driving high-impact initiatives related to credit reporting, ensuring the reliability and correctness of systems that report consumer credit data to credit bureaus.
Financial ServicesFinTechLendingPayments
Responsibilities
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
Own and lead complex, cross-service initiatives related to credit reporting, dispute handling, corrections, and data reconciliation
Design and evolve distributed systems that ensure accurate, timely, and auditable reporting to credit bureaus at scale
Partner closely with Product, Compliance, Legal, Risk, and Data teams to translate regulatory and business requirements into robust technical solutions
Set technical direction for key parts of the Credit Reports platform, influencing architecture, data models, and operational practices
Drive reliability and correctness by defining quality standards, monitoring, alerting, and incident response practices for mission-critical systems
Mentor and support other engineers, providing design guidance, code reviews, and coaching that raises overall team capability
Proactively identify risks and gaps (technical, operational, or compliance-related) and lead efforts to mitigate them before they become issues
Represent the team in technical and cross-functional forums, clearly communicating tradeoffs, decisions, and long-term impact
Qualification
Required
4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin
A track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes
Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design
Ability to write high quality code that is easily understood and used by others
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
Demonstrated ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders
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
Proven ability to lead ambiguous projects end-to-end, from problem definition through delivery and long-term maintenance
High bar for code quality, data correctness, and operational excellence, especially in regulated or high-stakes domains
Experience working cross-functionally with non-engineering partners and incorporating their constraints into technical designs
Ability to mentor and influence engineers beyond your immediate project scope
Comfort making tradeoffs under real-world constraints (time, risk, compliance, scale)
Preferred
Experience with Kotlin as a backend language
Experience with data reconciliation, backfills, and auditability in large-scale systems
Experience in fintech, credit reporting, payments, or regulated financial systems
Familiarity with credit bureau reporting, disputes, or regulatory frameworks (e.g., FCRA)
Benefits
Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
Company
Affirm
Affirm is a financial technology services company that offers installment loans to consumers at the point of sale.
1001-5000 employees
H1B Sponsorship
Affirm has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (104)
2024 (96)
2023 (133)
2022 (179)
2021 (132)
2020 (57)
Funding
Current Stage
Public CompanyTotal Funding
$7.57BKey Investors
New York Life InsuranceSixth StreetPGIM Fixed Income
2025-10-31Post Ipo Debt· $750M
2024-12-17Post Ipo Debt· $800M
2024-12-13Post Ipo Debt· $4B
Leadership Team
Max Levchin
Founder & CEO
Robert O'Hare
Chief Financial Officer
Recent News
2026-01-12
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2026-01-12
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