Senior Software Engineer, Backend (Identity International)

🏢 Summary: Senior Software Engineer role focused on building and scaling real-time fraud decisioning systems for international markets using Python or Kotlin. The position involves designing backend services, integrating fraud and risk vendors, supporting AI-driven engineering workflows, and collaborating across distributed teams in a fully remote Europe-based environment. 🗂️ Requirements: 5+ years of backend engineering experience, Experience building scalable systems with Python or Kotlin, Experience with distributed systems, Experience with AWS, Experience with MySQL or PostgreSQL, Experience with Kubernetes, Strong system design skills, Proficiency in SQL, Experience with CI/CD practices, Ability to manage safe production deployments, Strong written and verbal communication skills, Experience collaborating in distributed teams, Ownership-driven mindset 📃 Skills: Python, Kotlin, AWS, MySQL, PostgreSQL, Kubernetes, SQL, CI/CD, Snowflake, dbt, Airflow, Chronosphere, AI 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud - both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our buyers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America - including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. The Fraud 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 customers, 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. The Fraud International Team (FIT) leads the engineering effort to extend Affirm's Fraud Decisioning System into markets beyond the US - Canada, the UK, Australia, and growing rapidly. We own real-time fraud decisioning for these markets, integrate region-specific risk vendors, and are building the platform that lets Affirm stand up fraud protection in a new country quickly and safely. As Affirm expands globally, FIT scales with it. 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 own and deliver 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 real-time fraud decisioning services and APIs in Python or Kotlin, extending Affirm's Fraud Decisioning System to markets beyond the US. You will build and evolve the platform and tooling that let Affirm launch fraud decisioning in a new country quickly—turning market-by-market setup (rules, models, and vendor configuration) into a repeatable, low-friction path so launches scale sub-linearly with the number of markets. You will integrate region-specific fraud and risk vendors and help operationalize the machine learning and AI signals that power real-time decisioning, while using modern AI tooling to move faster as an engineer. You will support peers and stakeholders across the product development lifecycle - collaborating with Product, Machine Learning, Analytics, and Fraud Strategy, articulating technical constraints, and partnering on decisions that properly weigh risks and trade-offs. You will support the operations and availability of your team's systems by creating and monitoring metrics, escalating when needed, and contributing to keep-the-lights-on and on-call efforts. You will foster a culture of quality and ownership - setting and improving code review and design standards, mentoring teammates, and leading by example. What We Look For 5+ years of experience building backend systems at scale using Python or Kotlin. ] Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. Strong system design skills and a track record of delivering maintainable, extensible services. Fluency with AI-driven engineering - every Affirm engineer builds with tools like Claude Code and most PRs are co-authored with AI, so directing and orchestrating AI and excelling in the reviewer's seat (setting intent, critically evaluating generated code, and owning its correctness, quality, and security) is a core expectation. 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 real-time decisioning (nice to have) Experience building for multiple markets or regions - internationalization or localization (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: 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.

🏢 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. The team works directly with card issuers to create transparent, flexible card products for everyday and large purchases. The role works across the stack and company on just-in-time transaction processing that must occur in milliseconds, as well as ledgering and reconciliation systems for post-transaction processing. Join the team in Spain and Poland to help revolutionize payments. What You'll Do • Own and deliver quarterly goals for the team; lead engineers through ambiguity to solve open-ended problems and support them throughout delivery. • Collaborate with product management, design, and analytics throughout the product development lifecycle, including ideation, technical constraints, risks, and trade-offs. • Proactively identify project, process, technology, or business issues; advocate for them and lead their resolution. • Support the operations and availability of team artifacts by creating and monitoring metrics, escalating when needed, and contributing to on-call and “keep the lights on” efforts. • Foster quality and ownership by setting or improving code review and design standards and advocating for them through writing and tech talks. • Develop team talent through feedback, guidance, and leading by example. What We Look For • 4+ years of experience as a software engineer. • Experience designing, developing, and launching backend systems at scale using technologies such as Python, Kotlin, AWS, MySQL, and Kubernetes. • Experience shipping frontend applications. • Experience defining a technical plan for delivering a significant feature or system component with an elegant, simple, extensible design; ability to write high-quality code that others can understand and use. • Proficiency making significant changes in a large codebase, with tools and practices that enable safe delivery. • Demonstrated ownership of professional growth and proactive feedback-seeking from the team, manager, and stakeholders. • Strong verbal and written communication skills for collaborating with a 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. Pay is based on 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 technology spending, plus benefits including 100% subsidized medical coverage, dental, and vision for employees and dependents. Employees may also be eligible for equity rewards offered by Affirm Holdings, Inc. Poland base pay range per year: 308,000 zł – 428,000 zł Additional benefits include: • Contract of Employment • Flexible Spending Wallets for technology, food, and lifestyle • Away Days for wellness and recharging • Learning and Development programs • Parental benefits • Employee Resource and Community Groups • Eligibility 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.

🏢 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: 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: 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: 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: Lead engineering for EU card products, including architecture and relationships with EU counterparts. Work across real-time transaction processing, where processing must occur in milliseconds, and post-transaction ledgering and reconciliation systems.

What You'll Do

What We Look For

Compensation & Benefits

🏢 Summary: Join the Servicing International engineering team to build scalable purchase-protection, disputes, refunds, and agent-support capabilities for new international markets. The role involves delivering reliable APIs and web applications, collaborating across global teams, and participating in an on-call rotation. 🗂️ Requirements: Experience designing, developing, and launching scalable APIs, Experience with Python or Kotlin, Experience shipping web applications with React or Vue, Ability to write clear, tested, extensible code across multiple software components, Ability to navigate large codebases, debug code, and perform code reviews, Strong verbal and written communication skills, Participation in an on-call rotation 📃 Skills: Python, Kotlin, React, Vue, APIs 🏢 Description: Description The Engineering team builds reliable, performant, and scalable systems that support new ways to pay, platform scale, and seamless servicing experiences. Join the Servicing International team to build the foundational platform for launching products in international markets. The role focuses on purchase protection—including disputes and refunds—and agent tooling that enables high-quality customer support. The team works closely with European engineering counterparts and the global Servicing Engineering organization to deliver cohesive, scalable solutions. What you’ll do - Work on tasks that contribute to team projects and goals with support from the team. - Collaborate proactively with teammates and stakeholders, creating visibility and dialogue around risks and trade-offs. - Balance delivery speed and quality to meet business goals while protecting systems from downtime. - Contribute to team community through growth and development activities. - Participate in an on-call rotation. What we look for - Previous work or internship experience designing, developing, and launching APIs at scale using Python or Kotlin. - Previous work or internship experience shipping web applications using declarative UI frameworks such as React or Vue. - Ability to turn a simple problem or business scenario into a solution that interacts with multiple software components. - Ability to write clear, easily understood, well-tested, and extensible code. - Comfort navigating a large codebase, debugging others’ code, and providing feedback through code reviews. - Demonstrated ownership of professional growth and proactive feedback seeking from teammates, managers, and stakeholders. - Strong verbal and written communication skills for collaboration with a global engineering team. Compensation and Benefits Base Pay Grade: J Equity Grade: 2 Employees typically join at the start of the pay range. Pay is based on location, experience, and job-related skills. POL base pay range per year: 203,000–303,000 zł The total compensation package may include monthly stipends for health, wellness, and technology spending; 100% subsidized medical coverage; dental and vision coverage for employees and their dependents; and eligibility for equity rewards. Additional benefits include: - Flexible Spending Wallets for technology, food, and lifestyle. - Away Days for rest and recharge. - Learning and Development programs. - Parental benefits. - Employee Resource and Community Groups. - Eligibility 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.

🏢 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: 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: The Collections team, part of the Repayments area, builds a robust platform to maximize 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 engineering systems. The team collaborates closely with product managers, backbook risk teams, and other engineering teams to manage loans throughout the delinquency phase of their lifecycle and develop and implement recovery strategies. This role focuses on building next-generation platform solutions to manage growing volume while maintaining high system availability and reliability. You will work with the Collections team and Product to build robust collections solutions that help keep the loan portfolio healthy, enable customers to pay on time, and help them recover from delays. Quick Facts • Remote role available anywhere in Poland • Base pay range: 259,000–379,000 zł per year • Base Pay Grade: L • Equity Grade: 3 • Eligible for creative tax benefits, subject to applicable law and company policy What You'll Do • Break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery. • Collaborate with product management, design, and analytics throughout the product development lifecycle; participate in ideation, articulate technical constraints, and make decisions that consider risks and trade-offs. • Support operations and availability by creating and monitoring metrics, escalating when needed, and participating in "keep the lights on" and on-call efforts. • Contribute to team community through growth and development activities, including participation in the interview process. What We Look For • 2.5+ years of experience as a software engineer. • Experience designing, developing, and launching backend systems; proficiency in Python or Kotlin. • Familiarity with distributed-systems fundamentals and technologies including AWS, MySQL, and Kubernetes. • Ability to turn a simple problem or business scenario into a solution that interacts with multiple software components, using clear, easily understood, well-tested, and extensible code. • Comfort navigating a large codebase, debugging others' code, and providing feedback through code reviews. • Ownership of professional growth and a proactive approach to seeking feedback from the team, manager, and stakeholders. • Strong verbal and written communication skills for collaboration with a global engineering team. Compensation and Benefits • Compensation is based on location, experience, and job-related skills. • Total compensation may include monthly stipends for health, wellness, and technology spending; benefits; and equity rewards. • 100% subsidized medical coverage, dental, and vision coverage for employees and their dependents. • Flexible Spending Wallets for technology, food, and lifestyle. • Away Days for wellness and recharging. • Learning and Development programs. • Parental benefits. • Employee Resource and Community Groups. This job description is not a contractual document and is not intended to have binding force.