Software Engineer I, Back-end (Repayment Scheduling)

🏢 Summary: Staff Software Engineer role focused on designing and scaling backend systems that power capital partner integrations and automated funding processes for loans. The position involves setting technical strategy, building distributed systems, and ensuring high availability and operational excellence. The engineer will lead architecture, integrations, and testing infrastructure for critical financial reporting services. 🗂️ Requirements: 7+ years backend development experience, Experience designing and launching scalable distributed systems, Proficiency in Python or Kotlin, Hands-on experience with AWS, Experience with MySQL, Experience with Kubernetes, Strong knowledge of Spark, Experience delivering large system components or major features, Ability to define technical strategy and execution plans, Experience with monitoring, alerting, and operational processes 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, Spark, Airflow, Temporal, DistributedSystems, Backend, Monitoring, Testing 🏢 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 Deal Reporting team is responsible for building our critical capital partner integrations, as well as services to automate funding processes safely and reliably. We partner with Product and Capitals Markets teams to understand and implement complex financial structures, integrations and reporting. We are looking for a highly motivated Staff Software Engineer to help empower Deal Reporting's first international team, and build integrations, services, and testing infrastructure to power the funding of every Affirm loan. What You'll Do: · You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. · You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. · You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. · You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, polcities, testing and alerting in place to support “keep the lights on” & on-call efforts. · You will foster a culture of quality and ownership on your team by setting 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 7+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes. · Knowledge of Spark and it’s inner workings is a must. · Knowledge on task orchestration systems like Airflow or Temporal is a good to have. · You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. · You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work. · Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers. · You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Compensation & Benefits Base Pay Grade - P Equity Grade - Poland 5 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: 358,000 zł - 458,000 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. This job description is not a contractual document, and is not intended to have binding force. Location - Remote Poland The majority of our roles can be located anywhere in Poland.

🏢 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: 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: 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: 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: 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 or Staff Backend Engineer role focused on architecting and scaling AI-native backend systems for a modern accounting platform. The position involves designing distributed services, building high-performance APIs, and establishing engineering standards to support rapid, reliable product delivery. You will work closely with Product, AI, and Operations teams to develop agentic systems and scalable data pipelines. 🗂️ Requirements: 5–10+ years of backend engineering experience, Proven experience designing, building, and operating production backend systems at scale, Strong expertise in API design, Strong expertise in data modelling, Deep understanding of distributed systems trade-offs, Hands-on experience with AWS or GCP in production, Practical experience with CI/CD in high-frequency deployment environments, Experience implementing testing and deployment strategies, Strong knowledge of observability practices, Experience participating in on-call rotations 📃 Skills: TypeScript, Node.js, React, AWS, GCP, Terraform, PostgreSQL, OpenAI, Azure, CI/CD, APIs, DistributedSystems 🏢 Description: ABOUT THE ROLE We're looking for a Senior or Staff Backend Engineer to own and evolve our backend services as we scale. This is a broad, high-impact role — you'll architect new features, build the systems that underpin our core product, and set the engineering standards that shape how the whole team works. The focus is on building a modern, AI-native developer experience. That means working closely with Product, AI, and Operations teams to design agentic systems, distributed data pipelines, and scalable incident response infrastructure — and doing it in a way that lets the team ship with confidence multiple times a day. WHAT YOU'LL WORK ON Architecture and feature design Partner with Product, AI, and Operations teams to architect new features and complex agentic systems. Make clear architectural trade-offs that balance platform, product, and business goals. Backend services and APIs Build and maintain the backend services and APIs that power the core product. Ensure systems are secure, well-tested, and high performance. Distributed systems Design and implement distributed services to orchestrate data pipelines, automate investigations, and enable incident response at scale. Operational excellence Own operational best practices so the team can ship multiple times a day with confidence. Healthy on-call culture and strong observability are part of what you'll build and maintain. Engineering standards Set the bar for writing, communication, and system design across the team. Your influence will shape how a modern AI-native product is built. WHAT WE LOOK FOR 5–10+ years of backend engineering experience A strong track record designing, building, and operating production backend systems at scale. Deep backend fundamentals Expertise in API design, data modelling, and reasoning about distributed systems trade-offs. You understand the nuances, not just the patterns. AWS or GCP hands-on experience Solid understanding of how infrastructure decisions impact application reliability and performance. You've run things in production, not just designed them. CI/CD in practice Practical experience with testing and deployment strategies in high-frequency shipping environments. Observability and on-call maturity A solid grasp of what good observability looks like and how to build healthy on-call practices that don't burn people out. Bonus Experience at an early-stage or scaling startup. Exposure to modern AI and ML systems. Experience shipping product without a dedicated product manager. TECH STACK TypeScript, React, Node.js, AWS, Terraform, PostgreSQL, OpenAI, Azure AI. The team uses GitHub, Slack, Linear, Figma, and Notion day to day. THE TEAM Small, senior, and in-person. The office is in central Wrocław, next to the main train station. The expectation is 4–5 days a week in the office. Relocation support is available for the right candidate. COMPENSATION & BENEFITS Salary $130,000 – $190,000 USD depending on experience, plus competitive equity. Wellness and commute stipend $100 per month. Hardware Premium hardware provided — MacBook Pro and AirPods. Food Daily in-office lunch and dinner. Time off 20 PTO days plus 9 US public holidays. Relocation Support available for candidates relocating to Wrocław.

🏢 Summary: The offer is for a Backend Engineer role focused on building and scaling resilient backend systems and AI-driven platforms for global clients. You will work in small, autonomous teams, design production-grade architectures, and integrate Applied AI solutions into mission-critical products. The role emphasizes ownership, technical decision-making, and hands-on development using modern cloud and DevOps practices. 🗂️ Requirements: 2+ years commercial experience building web applications in Python or Ruby, Strong understanding of OOP principles, Knowledge of clean code practices, Understanding of software development lifecycle, Practical experience with SQL and relational databases, Experience with PostgreSQL, Experience with Git version control, Experience with Docker, Experience with CI/CD pipelines, Ability to integrate AI features into backend systems, Proficiency in written and spoken English 📃 Skills: Python, Ruby, PostgreSQL, SQL, AWS, Docker, Kubernetes, Git, CI/CD, OOP, Claude, Cursor 🏢 Description: Upside is a software consultancy built by engineers, for engineers. We partner with global companies to solve real, complex technical challenges. We’re deep into Applied AI and R&D, building both production-grade platforms for clients and our own open-source tools like Enthusiast (Agentic AI framework). We operate in a Forward-Deployed model. We don’t sit behind a wall of specs or wait for the tickets. We get into the trenches with the client, identify the actual challenges, and take full ownership of the solution. Our teams are small (3–9 people), autonomous, and cross-functional. What it means for you You won’t be assigned to a random project. You’ll partner directly with founders and CTOs on technical decisions, shaping systems - not just implementing them. You’ll  have the autonomy to choose  the right tools and the ownership to ensure the architecture performs under pressure.Your focus stays where it counts: mission-critical logic and high-impact experiments, not repetitive tasks and countless meetings. We don't do "safe or predictable". You’ll contribute to strategic open-source projects and build  AI-driven solutions. Role Overview As a Backend Engineer, you’ll be integral to building and scaling platforms for our global clients. You’ll join a high-performing team where your voice matters. You’ll design and implement resilient systems while staying close to the code, bringing solutions to the table instead of just reporting problems. Responsibilities Technical Execution: Build and maintain scalable backend systems with a focus on clean, maintainable code. Proactive Problem Solving: Identify issues early and propose actionable ways to fix or optimize them. Collaboration: Work closely with the team and stakeholders to translate requirements into working technology. Knowledge Sharing: Share your findings and lessons learned from the code to help the team grow. AI Implementation: Support the integration of Applied AI features into client products. Requirements Experience: 2+ years of commercial experience in building web applications (Python or Ruby). Fundamentals: Solid understanding of OOP, clean code, and software development lifecycles. Databases: Practical knowledge of SQL and relational databases (PostgreSQL). Infrastructure: Experience with Git, Docker, and CI/CD pipelines. Mindset: Proactive, curious, and ready to take ownership of your tasks. AI-Native: You use tools like Claude or Cursor to work smarter and faster. English: Great command of written and spoken English for team and client communication. Tech Stack: Python, Ruby, PostgreSQL, AWS, Docker, Kubernetes. Value Proposition Built for the long run We hire for the company, not just a project - looking for passion driven engineers who want to grow with Upside over time Small teams, real accountability. 3-9 people per engagement. We're small by design. That means your decisions carry weight and you are visible. Mission-critical work: We handle complex  projects that move the needle for international brands. Our clients are scaling companies, established international brands, and large institutions. The systems you build will be under real load, with real stakes. Real Ownership: You take part in the decision making process on technology and implementation..You’re empowered to take initiative, experiment, and drive solutions that create real impact. No Micromanagement: We trust you to own your work and deliver outcomes - no unnecessary oversight. Collaborative R&D: Contribute to targeted Open-source projects and internal AI research. Growth through challenges: Complex problems and direct client exposure means you’ll grow by action. Applied AI as a first-class discipline. We don't bolt AI onto projects as an afterthought. You'll identify where it genuinely moves the needle and lead the implementation - on client work and on our own open-source tooling. The tools you want. If something makes you faster or sharper, we want you using it. Transparent progression path. We have defined engineering levels with clear criteria - you'll know exactly what each role looks like, and what it takes to get from one to the other. No ambiguity, no waiting for someone above you to move on If you didn't find all the information you were looking for, have a look at our handbook - it covers a variety of different matters that could be important at this stage. If there's anything else we did not mention that you're interested in - share your thoughts with us careers@upsidelab.io Salary: Regular Engineer: 10 000 - 13 600 PLN net + VAT Regular+ Engineer: 14 800 - 19 300 PLN net + VAT Location: Office in Kraków, hybrid, fully-remote.

🏢 Summary: Mid-level Backend Engineer role focused on building a cutting-edge FinTech platform for interbank intraday lending using Scala in an agile startup environment. The position involves delivering scalable, testable solutions through functional programming and TDD practices. The engineer will collaborate closely with the product team to incrementally develop and enhance the platform. 🗂️ Requirements: 3+ years of software development experience, Proficiency in Scala or similar language (e.g., Haskell), Understanding of reactive programming paradigms, Understanding of functional programming paradigms, Experience working in Agile environment, Experience working within Scrum framework, Ability to write testable, deployable and scalable code 📃 Skills: Scala, Haskell, Reactive, Functional, TDD, Scrum, Agile, Blockchain, DLT 🏢 Description: Are you a passionate backend engineer ready to take your skills to the next level? Join our Product Team as we build a cutting-edge FinTech platform for interbank intraday lending. This is your chance to be part of a dynamic, VC-backed startup and play a key role in shaping both our product and our company. Why Join Us? Fast-Paced Startup : Collaborate with a smart, agile team led by our hands-on technical co-founder. Your contributions will have a direct impact on our growth. Remote-First with a Weekly Anchor: Work remotely four days a week, and meet up with the team once a week at our Wrocław office to sync, collaborate in person, and keep the momentum going. Ownership : Receive equity options and be a true stakeholder in our success. Flexibility : Take advantage of a holiday schedule that isn’t tied to any specific country. Inspiring Team Off-Sites : Twice a year, we bring the entire team together for week-long off-sites in exciting locations (think Budapest, Bordeaux, Malta, and beyond). Modern AI-Augmented Workflow: We use Claude Code daily and invest in tooling that lets our engineers focus on the interesting problems. What You’ll Do Collaborate with our team to deliver incremental value through agile, systematic development cycles. Write clean, reusable, and efficient functional code using Scala , following TDD and engaging in pair-programming as needed. Ensure our solutions are testable, deployable , and scalable . Who You Are We’re looking for a proactive, mid-level backend engineer with: 3+ years of software development experience . Proficiency in Scala , or similar languages (e.g., Haskell ). A solid understanding of reactive and/or functional programming paradigms . Knowledge of Agile principles and experience working within the Scrum framework . (Nice-to-have) Experience using AI coding assistants effectively in a professional setting — knowing how to prompt well, scope tasks, and review AI-generated code critically. (Nice-to-have) An interest in or experience with blockchain/DLT technologies . (Bonus) A degree in Computer Science or a related field. About Us We are a forward-thinking FinTech startup backed by leading venture capital. Our mission is to revolutionize interbank lending through innovative technology. Agile principles guide our work, and we are committed to fostering a supportive, growth-oriented culture. If you’re excited about solving complex challenges, making an impact, and working in an environment that values both technical excellence and collaboration, we want to hear from you! Ready to Join? Apply now and start shaping the future of finance with us.