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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 Virtual Cards (VCN) Platform Engineering team powers all of Affirm's products that depend on one-time-use cards. Virtual cards enable consumers to leverage Affirm’s financial products at effectively any merchant that accepts card payments, supporting online ecommerce, physical instore, and digital wallet integrations such as Apple Pay and Google Pay. By providing the systems that bridge Affirm and external credit networks like Visa, the VCN Platform team is critical in enabling increased scale of Affirm’s network.