Staff Software Engineer, Backend (Deal Reporting)

🏢 Summary: Backend Software Engineer role on the Repayment Scheduling team building and operating large-scale systems that enable automatic loan payments for millions of users. The position involves designing, developing, and maintaining distributed backend services that handle high-value financial transactions at scale. Engineers have strong ownership and influence over a newly formed team’s core infrastructure. 🗂️ Requirements: Experience designing and developing backend systems at scale, Proficiency in Python or Kotlin, Knowledge of distributed systems concepts, Experience with AWS, MySQL, and Kubernetes, Ability to write clear, well-tested, maintainable code, Experience working with large codebases and performing code reviews, Ability to debug complex backend systems, Strong technical communication skills 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, DistributedSystems, Backend, Microservices, APIs, Git 🏢 Description: 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 Repayment Scheduling engineering team is growing rapidly, and we're looking for a Software Engineer specializing in Backend development. We're a fully European engineering team – distributed across Poland and Spain with overlapping working hours. We build and own the system that enables our users to schedule automatic payments to pay back loans worth collectively over $30B each year. We directly improve the financial lives of over 20 million people, giving them peace of mind that their payments will be made on time. The team was created recently with brand new scope, and you would be one of the first engineers on this team. This means an outsized opportunity to influence how a core part of Affirm's infrastructure gets built. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! What You'll Do · With the support of your team, you will work on tasks that contribute to the team's projects and goals. · You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work. · You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime. · You will contribute to a sense of community on your team by engaging in growth and development activities. What We Look For · You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using 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. Compensation and Benefits Base Pay Grade - J Equity Grade - Poland 2 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 205,000 zł - 285,000 zł Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental leave Employee Resource & Community Groups Location - Remote Poland This job description is not a contractual document, and is not intended to have binding force.

🏢 Summary: Senior Backend Software Engineer role focused on building and operating large-scale repayment scheduling systems that automate payments for millions of users. The position involves designing distributed backend services, leading technical delivery, and collaborating across product and engineering teams in a fast-paced remote environment in Poland. 🗂️ Requirements: 4+ years of backend engineering experience, Experience designing and launching scalable backend systems, Proficiency in Python or Kotlin, Experience with distributed systems, Experience with AWS, Experience with MySQL, Experience with Kubernetes, Ability to define technical plans and system designs, Ability to work in large codebases, Strong verbal and written communication skills 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes 🏢 Description: 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 Repayment Scheduling engineering team is growing rapidly, and we're looking for a Senior Software Engineer specializing in Backend development. We're a Backend team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We build and own the system that enables our users to automate their payments, at a scale of up to $40B each year. We directly own the configuration and orchestration of those payments. We directly improve the financial lives of over 20 million people, giving them peace of mind that their payments will be made on time. Our work is agile and fast-paced, shipping new code to production every two-week sprint, and rigorously measuring the impact it has on our users' lives and company financials. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. What You'll Do - Own and deliver quarterly goals for your team - Lead engineers through ambiguity to solve open-ended problems - Collaborate with product management, design, and analytics throughout the product development lifecycle - Articulate technical constraints and partner on risk and trade-off decisions - Identify and solve project, process, technology, or business issues - Support operations and availability through metrics, monitoring, escalation, and on-call efforts - Foster a culture of quality and ownership through code review and design standards - Mentor and support team members through feedback and guidance What We Look For - 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin - Track record of developing highly available distributed systems using AWS, MySQL and Kubernetes - Experience defining technical plans for significant features or system components - Ability to write high quality, maintainable code - Experience making significant changes in large codebases safely - Proactive approach to growth and feedback - Strong verbal and written communication skills Compensation & Benefits Base Pay Grade - N Equity Grade - 4 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure based on location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits including subsidized medical coverage, dental and vision for employees and dependents. Employees may also be eligible for equity rewards. POL base pay range per year: 308,000 zł - 428,000 zł Additional benefits include: - Flexible Spending Wallets for tech, food and lifestyle - Away Days wellness leave - Learning & Development programs - Parental benefits - Employee Resource & Community Groups - Creative tax benefits subject to applicable law and company policy Location: Remote Poland The majority of roles can be located anywhere in Poland. This job description is not a contractual document and is not intended to have binding force.

🏢 Summary: Backend Software Engineer role focused on building and operating a high-availability Merchant Data Platform that powers merchant identity, onboarding, and data pipelines. The position involves designing and maintaining distributed systems that process millions of requests daily while meeting strict latency and availability SLAs. You will develop scalable backend services and data pipelines supporting risk analysis and fraud detection. 🗂️ Requirements: 2+ years of experience as a Software Engineer, Experience designing and developing backend systems, Proficiency in Python or Kotlin, Knowledge of distributed systems fundamentals, Experience with AWS, MySQL, and Kubernetes, Ability to write clean, well-tested, extensible code, Experience working with large codebases and performing code reviews, Ability to monitor systems, manage metrics, and support on-call operations 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, DistributedSystems, Backend, Microservices, APIs, SQL 🏢 Description: 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 Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis and fraud detection. 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 2+ 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. Compensation & Benefits Base Pay Grade - L Equity Grade - 3 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 252,000 zł  -  352,000 zł Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental leave Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland

🏢 Summary: Engineering role focused on building and scaling backend systems for purchase protection (disputes and refunds) as part of an international product expansion. The position involves leading technical delivery, designing scalable solutions, and collaborating with global teams to launch and support new market capabilities. It combines hands-on backend development with ownership of system quality, reliability, and technical direction. 🗂️ Requirements: 4+ years of software engineering experience, Experience designing and launching scalable backend systems, Proficiency in at least one modern backend language (Python, Kotlin, Go, Ruby, or Java), Experience with AWS cloud infrastructure, Experience with MySQL or relational databases, Experience with Kubernetes, Experience building web applications with React or Vue, Ability to define technical plans for large features or system components, Ability to work with and modify large codebases safely, Strong written and verbal communication skills in technical environments 📃 Skills: Python, Kotlin, Go, Ruby, Java, AWS, MySQL, Kubernetes, React, Vue 🏢 Description: 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. Join the pioneering Servicing International team at the forefront of Affirm's global expansion, building the foundational platform to launch our products into a new generation of international markets. This role will focus specifically on purchase protection, including disputes and refunds—a critical part of the user journey and an area of significant investment—to ensure trust and satisfaction for our newest customers. Success requires deep collaboration, and you will partner closely with European engineering counterparts and engineers across our global Servicing Engineering organization to build cohesive, scalable solutions. If you are passionate about creating world-class user experiences and excited by the challenge of launching products in new regions, join us. Help build the next generation of Affirm's platform and define our presence around the world. What You'll Do · 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. What We Look For · You have a total of 4+ years of experience as a software engineer. · You are experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, or any other modern backend language (e.g Go, Ruby , Java) alongside AWS, MySQL, and Kubernetes. · You’ve had exposure to building web apps with declarative UI frameworks (e.g., React or Vue ) and understand the core principles behind them. · You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. · You are 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. · 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. Compensation and Benefits Base Pay Grade - N Equity Grade - Poland 4 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 301,000 zł  -  401,000 zł Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force.

🏢 Summary: Senior Software Engineer role focused on building and scaling a high-availability Merchant Data Platform that powers checkout-critical services and merchant data pipelines. The position involves designing, delivering, and maintaining distributed backend systems while leading technical initiatives and mentoring engineers. The role emphasizes ownership of reliability, performance, and scalable system design in a fully remote environment. 🗂️ Requirements: 4+ years of software engineering experience with leadership responsibilities, Experience designing and launching scalable backend systems, Proficiency in Python or Kotlin, Experience building highly available distributed systems, Hands-on experience with AWS, MySQL, and Kubernetes, Experience defining technical plans and delivering large features or system components, Ability to work with large codebases and perform code reviews, Experience ensuring system availability, reliability, and performance 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, DistributedSystems, Backend, Microservices, APIs, SQL 🏢 Description: 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 Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints, and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis, and fraud detection. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. What You'll Do 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 drive detailed project definition, design, cross-functional alignment, estimation, in addition to task break-down, delivery, monitoring, and maintenance. 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. You will mentor engineers on the team to help improve their designs, code quality, and testing. You will own the availability, reliability, and performance of your team’s systems. What We Look For You have 4+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers. You have experience designing, developing and launching backend systems at scale and are proficient in one of Python or Kotlin You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. You are expert at synthesizing complex business products, and technical requirements to consistently produce high quality system designs and software. You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. You are 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. 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. Compensation & Benefits Base Pay Grade - N Equity Grade - 4 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents ). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 301,000 zł  -  401,000 zł Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. **This job description is not a contractual document, and is not intended to have binding force.** #LI-Remote

🏢 Summary: Backend Software Engineer role focused on building and operating scalable APIs and web applications that power loan repayment user journeys for millions of users. The position involves designing, shipping, and maintaining production systems in a fast-paced, agile environment with frequent releases. Engineers collaborate cross-functionally and ensure reliability, scalability, and high code quality at scale. 🗂️ Requirements: 1.5+ years of software engineering experience, Experience designing and developing scalable APIs, Experience with backend development in Python or Kotlin, Experience building web applications with React or Vue, Ability to write clean, well-tested, extensible code, Ability to work with large codebases and perform code reviews, Experience debugging and maintaining production systems, Strong technical communication skills 📃 Skills: Python, Kotlin, React, Vue, APIs, Backend, Web, Git 🏢 Description: 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. 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 Repayment UX Engineering team is growing, and we're looking for a Software Engineer specializing in Backend development. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Sillicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $30B each year. Our team exist to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced, shipping new code to production almost every two-week sprint, and rigorously measuring the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! 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 APIs at scale using languages like Python or Kotlin. · You have experience shipping web apps using declarative UI frameworks like React or Vue. · 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. Base Pay Grade - L Equity Grade - 3 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents ). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 252,000 zł  -  352,000 zł Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #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.

🏢 Summary: Senior Software Engineer role focused on building and scaling real-time fraud decisioning systems for international markets using Python or Kotlin. The position involves designing backend services, integrating fraud and risk vendors, supporting AI-driven engineering workflows, and collaborating across distributed teams in a fully remote Europe-based environment. 🗂️ Requirements: 5+ years of backend engineering experience, Experience building scalable systems with Python or Kotlin, Experience with distributed systems, Experience with AWS, Experience with MySQL or PostgreSQL, Experience with Kubernetes, Strong system design skills, Proficiency in SQL, Experience with CI/CD practices, Ability to manage safe production deployments, Strong written and verbal communication skills, Experience collaborating in distributed teams, Ownership-driven mindset 📃 Skills: Python, Kotlin, AWS, MySQL, PostgreSQL, Kubernetes, SQL, CI/CD, Snowflake, dbt, Airflow, Chronosphere, AI 🏢 Description: 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 Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud - both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our buyers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America - including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. The Fraud International Team (FIT) leads the engineering effort to extend Affirm's Fraud Decisioning System into markets beyond the US - Canada, the UK, Australia, and growing rapidly. We own real-time fraud decisioning for these markets, integrate region-specific risk vendors, and are building the platform that lets Affirm stand up fraud protection in a new country quickly and safely. As Affirm expands globally, FIT scales with it. What You'll Do - Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems - Design and implement real-time fraud decisioning services and APIs in Python or Kotlin - Build and evolve the platform and tooling that enable rapid fraud decisioning launches in new countries - Integrate region-specific fraud and risk vendors - Operationalize machine learning and AI signals that power real-time decisioning - Collaborate with Product, Machine Learning, Analytics, and Fraud Strategy teams - Support operations and availability of systems through monitoring and on-call efforts - Foster a culture of quality and ownership through mentoring and code review standards What We Look For - 5+ years of experience building backend systems at scale using Python or Kotlin - Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes - Strong system design skills and a track record of delivering maintainable, extensible services - Fluency with AI-driven engineering and AI-assisted development workflows - Proficiency in SQL and working with data-rich environments - Familiarity with CI/CD practices and safe production deployments - Strong written and verbal communication skills - Proactive, ownership-driven mindset with a focus on learning and team success Nice to Have - Experience with Snowflake, dbt, Airflow, or Chronosphere - Background in fraud prevention, risk systems, or real-time decisioning - Experience building for multiple markets or regions - Experience in fintech or highly regulated environments Compensation & Benefits - Base pay range in Poland: 308,000 zł - 428,000 zł per year - Equity rewards eligibility - Flexible Spending Wallets for tech, food and lifestyle - Away Days wellness time off - Learning & Development programs - Parental benefits - Employee Resource & Community Groups - Creative tax benefits subject to applicable law and company policy The majority of roles can be located anywhere in Poland. This job description is not a contractual document and is not intended to have binding force.

🏢 Summary: Senior Software Engineer role focused on building and scaling backend systems for real-time and post-transaction fraud detection within a microservices, event-driven architecture. The position involves designing APIs and services, improving system reliability, and collaborating cross-functionally to deliver scalable fraud tooling. Fully remote role based in Poland with on-call responsibilities. 🗂️ Requirements: 5+ years backend development experience, Experience building scalable systems in Python or Kotlin, Experience with distributed systems, Experience with AWS cloud infrastructure, Experience with MySQL or PostgreSQL, Experience with Kubernetes, Strong system design skills, Proficiency in SQL, Experience with CI/CD pipelines, Willingness to participate in on-call rotation 📃 Skills: Python, Kotlin, AWS, MySQL, PostgreSQL, Kubernetes, SQL, CI/CD, Snowflake, dbt, Airflow, Chronosphere 🏢 Description: 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 Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud—both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our buyers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America—including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will design and implement backend services and APIs using Python or Kotlin, operating within Affirm’s microservice and event-driven architecture. You will take an active role in shaping the team’s roadmap, collaborating on technical design, and driving execution across projects that span multiple teams. You will partner with the Engineering Manager and your teammates to elevate quality standards, evolve engineering processes, and represent the team in cross-functional initiatives. You will collaborate cross-functionally with stakeholders in Fraud Ops, Compliance, Product, Machine Learning, and Analytics to build scalable fraud tooling and infrastructure. You will proactively identify opportunities to improve system reliability, team efficiency, or architecture—and lead efforts to address them. You will contribute to operational excellence by maintaining high observability standards, responding to incidents, and participating in the on-call rotation. You will foster a culture of ownership, inclusion, and craftsmanship by mentoring teammates, providing feedback, and upholding high code and design standards. On-Call Rotation - There would be an on-call rotation for this role as a requirement. What We Look For 5+ years of experience building backend systems at scale using Python or Kotlin. Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. Strong system design skills and a track record of delivering maintainable, extensible services. Proficiency in SQL and working with data-rich environments. Familiarity with CI/CD practices and safe production deployments. Strong written and verbal communication skills, especially in distributed teams. A proactive, ownership-driven mindset with a focus on learning and team success. Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have) Background in fraud prevention, risk systems, or post-transaction tooling. (nice to have) Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints. (nice to have) Compensation & Benefits Base Pay Grade - N Equity Grade - 4 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 301,000 zł  -  401,000 zł Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force.

🏢 Summary: Senior Software Engineer role focused on building and scaling React Native repayment experiences for millions of users in a fast-paced, agile environment. The position involves leading technical delivery, collaborating cross-functionally, and improving reliability and transparency in consumer finance products. The role is fully remote within Poland and offers growth opportunities, equity, and comprehensive benefits. 🗂️ Requirements: 4+ years of mobile application development experience, Experience with React Native or declarative UI frameworks, Proficiency in JavaScript, Proficiency in TypeScript, Experience designing and delivering significant features or system components, Ability to work with large codebases safely, Strong code quality and software design practices, Experience collaborating with product, design, and analytics teams, Strong verbal and written communication skills 📃 Skills: React, ReactNative, JavaScript, TypeScript, Mobile, Analytics, Git, CI/CD 🏢 Description: 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 Repayment UX Engineering team is growing, and we're looking for a Senior Software Engineer specializing in React Native development. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $40B each year. Our team exists to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced, shipping new code to production every two-week sprint, and rigorously measuring the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! What You'll Do · 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. What We Look For · You have 4+ years of experience of developing and architecting mobile applications, preferably using declarative UI frameworks like React Native. · You are proficient in working with Javascript/Typescript, or have a track record of working with similar languages and learning new technologies. · You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. · You are 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. · 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. Base Pay Grade - N Equity Grade - 4 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents ). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 308,000 zł - 428,000 zł Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #LI-Remote

🏢 Summary: Senior Developer role in Global Banking focused on building and supporting large-scale content management and messaging services for Investment Banking and Capital Markets products using Azure and Microsoft technologies. The position involves full-stack development, CI/CD implementation and collaboration in a distributed Agile team. Office presence 3 days per week is required. 🗂️ Requirements: Degree in relevant field, 5-8 years commercial development experience, Experience in Financial Services environment, Experience in Agile/Extreme programming, Experience working in distributed (onshore/offshore) teams, Strong knowledge of object-oriented design principles (SOLID), Expertise in C# and .NET, Hands-on experience with Azure, Experience with SQL Server 2019, Experience with ASP.NET, Experience with Microsoft Visual Studio, Experience with GitLab Source Control, Experience with GitLab CI/CD pipelines, Knowledge of HTML, CSS, JavaScript and Ajax, English proficiency B2 or higher, Availability to work from office 3 days per week 📃 Skills: C#, .NET, Azure, SQL, ASP.NET, VisualStudio, GitLab, CI/CD, HTML, CSS, JavaScript, Ajax, SOLID, Agile 🏢 Description: We are looking for a Senior Developer to join our Global Banking team, providing technology support for the full range of Investment Banking and Capital Markets products. You will help build large-scale content management and messaging services, leveraging Azure and other Microsoft products. Please note that working from the office 3 days per week is required. Responsibilities Provide technology support for Investment Banking and Capital Markets products Design and build large-scale content management and messaging services Leverage Azure and other Microsoft products to deliver robust solutions Collaborate within a distributed (onshore/offshore) Agile team Apply object-oriented design principles (SOLID) across development tasks Build and deploy applications following Microsoft best-practice coding standards Develop and maintain CI/CD pipelines for streamlined delivery Contribute to web front-end development across the full stack Participate in code reviews and ensure high-quality deliverables Requirements Degree qualification in an appropriate subject, plus 5-8 years of commercial experience (Financial Services preferred) Background in Agile/Extreme programming and a history of working in a distributed (onshore/offshore) team Understanding of object-oriented design principles (SOLID) Expertise in C# .NET, Azure and SQL Server 2019, including ASP .NET and Microsoft best-practice coding standards Proficiency in building and deploying applications using Microsoft Visual Studio, GitLab Source Control and GitLab CI/CD pipelines Knowledge of web front-end technologies including HTML, CSS and JavaScript & Ajax English proficiency at B2 level or higher Nice to have Familiarity with Infrastructure as Code using Terraform (or similar) Capability to write Unit and Automated integration tests in a TDD approach Background in Financial Services Skills in ReactJS and TypeScript We offer/Benefits We gather like-minded people: Engineering community of industry professionals Friendly team and enjoyable working environment Flexible schedule and opportunity to work remotely within Poland Chance to work abroad for up to 60 days annually Business-driven relocation opportunities We provide growth opportunities: Outstanding career roadmap Leadership development, career advising, soft skills, and well-being programs Certification (GCP, Azure, AWS) Unlimited access to LinkedIn Learning, Get Abstract, Cloud Guru English classes We cover it all: Stable income (Employment Contract or B2B) Participation in the Employee Stock Purchase Plan Benefits package (health insurance, multisport, shopping vouchers) Strategically located offices featuring entertainment and relaxation zones, table tennis and football, free snacks, fantastic coffee, and more Referral bonuses Corporate, social and well-being events Please, note: The set of bonuses might vary based on the role you apply for – specifics will be discussed with our recruiter during the general interview. We will reach out to selected candidates exclusively. EPAM is a leading global provider of digital platform engineering and development services. We are committed to having a positive impact on our customers, our employees, and our communities. We embrace a dynamic and inclusive culture. Here you will collaborate with multi-national teams, contribute to a myriad of innovative projects that deliver the most creative and cutting-edge solutions, and have an opportunity to continuously learn and grow. No matter where you are located, you will join a dedicated, creative, and diverse community that will help you discover your fullest potential.