Senior Software Engineer (Payment Experiences Engineering)

🏢 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: 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 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 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: 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: Lead backend and transaction-processing engineering for transparent credit-card products, spanning millisecond-scale authorization flows and post-transaction ledgering and reconciliation. The role owns quarterly delivery, technical direction, operational reliability, and engineer development while collaborating across product, design, and analytics. 🗂️ Requirements: 4+ years of software engineering experience, Backend systems design, development, and launch experience at scale, Python experience, Kotlin experience, AWS experience, MySQL experience, Kubernetes experience, Frontend application delivery experience, Technical planning for significant features or system components, Large codebase change management, 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. We are reinventing credit cards in the most transparent way possible. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. You'll work across stacks and across the company, working both in just-in-time transaction processing that has to take place in milliseconds, along with our ledgering and reconciliation systems in post-transaction processing. This is some of the more difficult, exciting, experimental engineering work in Affirm. Join us and our team in Spain and Poland to help us revolutionize payments! 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, AWS, MySQL, and Kubernetes. · You have experience shipping front end applications · 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 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: • 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: Build and operate backend collections-platform solutions that manage delinquent loans, support recovery strategies, and maintain reliable, highly available services. The role partners with product, risk, analytics, and engineering teams to deliver scalable systems and support their ongoing operation. 🗂️ Requirements: 2.5+ years of software engineering experience, Backend system design, development, and launch experience, Proficiency in Python or Kotlin, Knowledge of distributed systems, Experience with AWS, MySQL, and Kubernetes, Ability to write clear, tested, extensible code across multiple software components, Large codebase debugging and code review experience, 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 Collections team, as part of the Repayments area, is on a mission to build a robust platform that will maximize the recovery of delinquent users by sending the right message to the right people at the right time, while monitoring and detecting problems and ensuring high reliability of the engineering systems. Collaborating closely with our product managers, backbook risk teams and other engineering teams , you will effectively manage loans throughout the delinquency phase of their lifecycle and develop and implement recovery strategies. We are looking for a highly motivated software engineer to build the next generation platform solutions that will allow us to manage our constantly growing volume while maintaining high availability and reliability of the systems. You will work closely with your team mates in the Collections team and Product to build robust collections solutions which will enable us to keep our loans portfolio healthy and help our customers pay on time and recover from any delays. 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 2.5+ 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 and 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: 259,000 - 379,000 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.** #LI-Remote

🏢 Summary: Staff Software Engineer role on the Deal Reporting team, building international capital-partner integrations, funding services, and testing infrastructure for loan funding. The position sets technical strategy, drives reliable distributed backend systems, and leads operational quality for business-critical financial workflows. 🗂️ Requirements: 7+ years designing, developing, and launching scalable backend systems, Backend development experience with Python or Kotlin, Experience building highly available distributed systems, Experience with AWS, MySQL, and Kubernetes, Deep knowledge of Spark internals, Experience delivering major features, system components, or deprecations through technical and execution plans, High-quality, maintainable code, Strong written and verbal communication skills, Ability to work across ambiguous, large-scale system architecture and low-level implementation 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, Spark 🏢 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: 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: Lead Software Engineer role for EU card products, setting technical strategy and architecture across real-time transaction processing, ledgering, and reconciliation systems. The position leads cross-functional delivery, operational reliability, engineering standards, and team development for scalable payments platforms. 🗂️ Requirements: 8+ years of software engineering experience, Backend systems design, development, and launch experience at scale, Python proficiency, Kotlin proficiency, AWS proficiency, MySQL proficiency, Kubernetes proficiency, Frontend application development experience, Experience delivering major features, system components, or deprecations through technical and execution plans, High-quality, maintainable code, Large-scale systems architecture understanding, Strong written and verbal communication skills, Cross-functional collaboration experience 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, Frontend, Backend, Architecture, Monitoring, Testing, Alerting, Reconciliation, Ledgering 🏢 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. We are reinventing credit cards entirely. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. You will be the lead engineer for our EU teams.  You will be responsible for architecture across cards and relationships with our EU counterparts.  You'll work across stacks and across the company, working both in just-in-time transaction processing that has to take place in milliseconds, along with our ledgering and reconciliation systems in post-transaction processing. This is some of the more difficult, exciting, experimental engineering work in Affirm. Join us and our team in Spain and Poland to help us revolutionize payments! 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 be the lead software engineer for all cards in the EU. · 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, policies, 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 a total of 8+ years of experience as a software engineer. · You are proficient in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes · You are proficient in developing front end applications. · 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: 365,000 zł - 485,000 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.