Software Engineer II - CIAM

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.

Affirm is building the next generation of customer identity and authentication. This role is a hands-on, mid-engineering position inside Information Security, contributing to core CIAM capabilities that protect customers and support growth.

You will help build and maintain backend services that power registration, login, authorization, and account lifecycle flows across B2C and B2B experiences. You will work with experienced engineers and partner teams to deliver scoped identity features with strong security fundamentals, reliability, and operational rigor.

What you’ll do

• Build and ship customer-facing authentication features—from smoother login experiences to MFA, step-up authentication, and device binding—with mentorship from experienced engineers.
• Develop backend services and APIs in Python or Kotlin, turning product requirements into working software that helps customers access their accounts securely.
• Work with modern identity technologies such as Okta, Auth0, and ForgeRock, writing custom code and integrations that connect identity capabilities to web, mobile, and partner applications.
• Take scoped features through the software development lifecycle: contribute to design, write readable code and automated tests, participate in code reviews, and deploy to production with support from the team.
• Solve real engineering problems by debugging services, improving reliability, and using logs and metrics to understand how your code behaves in production.
• Collaborate with engineering and product partners, learn secure development practices, and grow your software engineering skills while building expertise in authentication.

What we look for

We’re looking for a Mid-Level Software Engineer with solid engineering fundamentals, a passion for authentication, and an eagerness to learn customer identity and access management. You do not need extensive authentication or CIAM experience—we value your ability to build software, solve problems, and grow in the space.

• Demonstrated ability to write, test, and debug software in Python, Kotlin, or a similar language through coursework, internships, personal projects, open source, or professional work. No fixed minimum years of experience required.
• Foundational understanding of backend development, including APIs, data structures, databases, and version control.
• Genuine curiosity about how authentication works and motivation to build secure, reliable customer experiences. Prior experience with identity protocols or CIAM platforms is a plus, not a requirement.
• A practical problem-solving approach, willingness to ask questions, and openness to learning through mentorship and code review.
• Clear communication and the ability to collaborate with engineering, product, and security teammates.
• 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: $165,000 - $225,000

USA base pay range (all other U.S. states) per year: $146,000 - $206,000

#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.

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