Affirm OPT Eligible Jobs USA
Affirm hires OPT students across engineering, data science, product, and finance roles, making it a relevant target for F-1 graduates entering fintech. The company's H-1B visa sponsorship history signals a genuine path from OPT employment through to long-term work authorization for strong performers.
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Get Access To All JobsINTRODUCTION
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 Merchant & Partner Lifecycle (M&PL) team is at the forefront of Affirm's architectural transformation. We are addressing critical architectural risks by consolidating merchant lifecycle orchestration into a newly cohesive domain.
You will act as a technical leader building out the brand new lifecycle-orchestrator service that's at the heart of multiple connected systems. Your work will deliver immediate availability improvements through system simplification and isolation, and modernize older parts of the codebase.
- Design & expand the backbone of our platform to scale to hundreds of thousands of merchants from all around the world
- Design and align the scope of work with other teams to deliver cross-team projects
- Partner with Engineering Manager and Team Lead to execute the long-term vision of the team
- Execute technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems
- Utilize agentic development tools like Claude Code to automate parts of the development process
- Improve engineering standards, tooling, and processes throughout the organization
What We Look For
- 3+ years of experience as a backend software engineer
- Familiarity with Domain-Driven Design, distributed systems, and how architectural decisions affect performance and maintainability
- Experience with concepts such as data models, API design (http and RPC), state machines, event-driven architecture, and database design
- Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication–written tech specs, ADRs, project plans, etc.
- Experience designing, developing, and launching backend systems (our stack: AWS, gRPC, Snowflake, Kotlin, Python, MySQL, Kubernetes). Java and Kotlin experience are especially helpful.
- Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana)
- 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.
USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000
USA base pay range (all other U.S. states) per year: $142,000 - $192,000
LI-Remote
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We're extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- 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
We believe It's On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
For U.S. positions that could be performed in Los Angeles or San Francisco: Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
INTRODUCTION
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 Merchant & Partner Lifecycle (M&PL) team is at the forefront of Affirm's architectural transformation. We are addressing critical architectural risks by consolidating merchant lifecycle orchestration into a newly cohesive domain.
You will act as a technical leader building out the brand new lifecycle-orchestrator service that's at the heart of multiple connected systems. Your work will deliver immediate availability improvements through system simplification and isolation, and modernize older parts of the codebase.
- Design & expand the backbone of our platform to scale to hundreds of thousands of merchants from all around the world
- Design and align the scope of work with other teams to deliver cross-team projects
- Partner with Engineering Manager and Team Lead to execute the long-term vision of the team
- Execute technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems
- Utilize agentic development tools like Claude Code to automate parts of the development process
- Improve engineering standards, tooling, and processes throughout the organization
What We Look For
- 3+ years of experience as a backend software engineer
- Familiarity with Domain-Driven Design, distributed systems, and how architectural decisions affect performance and maintainability
- Experience with concepts such as data models, API design (http and RPC), state machines, event-driven architecture, and database design
- Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication–written tech specs, ADRs, project plans, etc.
- Experience designing, developing, and launching backend systems (our stack: AWS, gRPC, Snowflake, Kotlin, Python, MySQL, Kubernetes). Java and Kotlin experience are especially helpful.
- Prior experience with monitoring and alerting systems (sentry.io, rollbar, chronosphere, kibana)
- 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.
USA base pay range (CA, WA, NY, NJ, CT) per year: $160,000 - $210,000
USA base pay range (all other U.S. states) per year: $142,000 - $192,000
LI-Remote
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We're extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- 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
We believe It's On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
For U.S. positions that could be performed in Los Angeles or San Francisco: Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
Job Roles at Affirm
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Get Access To All JobsTips for Finding Affirm OPT Eligible Jobs USA
Target Affirm's engineering and data teams
Affirm's core product runs on machine learning, backend infrastructure, and financial data pipelines. OPT students with degrees in computer science, data science, or statistics align directly with the roles where Affirm recruits most consistently. Build your application materials around those specific technical stacks.
Confirm E-Verify enrollment before accepting
STEM OPT's 24-month extension requires your employer to be enrolled in E-Verify. Before signing an offer, ask Affirm's recruiter or HR team to confirm active E-Verify enrollment. This one step determines whether your STEM extension is legally available.
Align your OPT start date with Affirm's hiring cycles
Affirm recruits heavily for new graduate roles in the fall and spring. Your OPT EAD must be active before your first day of employment. File with USCIS up to 90 days before your program end date to avoid a gap between graduation and your start date.
Research Affirm's H-1B filing history on Migrate Mate
Before applying, check Migrate Mate to review Affirm's H-1B Labor Condition Application data by role and location. This shows which job titles Affirm has sponsored in the past, helping you confirm that your target role has a realistic path from OPT employment to long-term status.
Benchmark your salary against OFLC Wage Search
Affirm operates in a high-cost labor market. Use the OFLC Wage Search to look up the prevailing wage for your specific role and location before negotiating. Offering to accept below-market pay can undercut your credibility and complicate any future H-1B filing Affirm makes on your behalf.
Get your training plan ready before onboarding
For STEM OPT, Affirm must co-sign a formal training plan on the I-983 form submitted to your DSO. Prepare a draft that maps your day-to-day responsibilities to your degree field. Bringing this to HR proactively shortens the back-and-forth before your extension takes effect.
Affirm OPT Eligibility: Frequently Asked Questions
Does Affirm sponsor OPT visas?
Affirm hires students who already hold an OPT EAD issued by USCIS. Employers don't sponsor OPT directly since it's work authorization granted to you, not to the company. What matters is that Affirm is enrolled in E-Verify, which makes the 24-month STEM OPT extension available to eligible graduates in qualifying roles.
Which departments at Affirm typically hire OPT students?
Engineering, data science, and product are where Affirm does most of its technical hiring, and those align well with the STEM degree fields that qualify for the extension. Finance and risk analytics roles are also relevant for graduates with quantitative backgrounds. Less technical functions like sales or marketing hire OPT students less consistently.
How do I start the OPT employment process at Affirm?
You apply through Affirm's careers page like any other candidate. Once you receive an offer, notify your DSO to verify your EAD is active and covers the start date. For STEM OPT, you'll need to complete Form I-983 with Affirm's HR team before your extension begins. USCIS must receive that filing while your current EAD is still valid.
What is the typical timeline from OPT employment to H-1B sponsorship at Affirm?
There's no guaranteed timeline since H-1B sponsorship depends on performance, role availability, and the annual lottery. Most candidates who transition work at least one full OPT cycle before Affirm files an H-1B petition. STEM OPT's 24-month extension gives you up to three years total to build your case and go through the lottery process.
How do I find OPT-eligible job openings at Affirm?
Search Migrate Mate to filter for Affirm roles by visa type and location. Migrate Mate surfaces Affirm's LCA filing history by job title, so you can see which roles the company has historically sponsored and target your applications accordingly. Cross-reference with Affirm's careers page to find currently open positions that match those patterns.
How does Affirm hire OPT students?
OPT is work authorization granted directly to F-1 students after graduation — no employer petition is required. Affirm can hire OPT students as soon as their EAD card is approved. STEM degree holders can extend OPT by 24 months when their employer is enrolled in E-Verify. Most companies that hire OPT students also support the transition to H-1B when the student's OPT period is ending. Check Affirm's individual postings on Migrate Mate to confirm OPT acceptance per role.