Senior Software Engineer, Backend (Card Acquisition)

🏢 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: 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.

🏢 Summary: Senior Backend Software Engineer role focused on building and operating large-scale repayment scheduling systems that automate payments for millions of users. The position involves designing distributed backend services, leading technical delivery, and collaborating across product and engineering teams in a fast-paced remote environment in Poland. 🗂️ Requirements: 4+ years of backend engineering experience, Experience designing and launching scalable backend systems, Proficiency in Python or Kotlin, Experience with distributed systems, Experience with AWS, Experience with MySQL, Experience with Kubernetes, Ability to define technical plans and system designs, Ability to work in large codebases, Strong verbal and written communication skills 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Repayment Scheduling engineering team is growing rapidly, and we're looking for a Senior Software Engineer specializing in Backend development. We're a Backend team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We build and own the system that enables our users to automate their payments, at a scale of up to $40B each year. We directly own the configuration and orchestration of those payments. We directly improve the financial lives of over 20 million people, giving them peace of mind that their payments will be made on time. Our work is agile and fast-paced, shipping new code to production every two-week sprint, and rigorously measuring the impact it has on our users' lives and company financials. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For You have 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. 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: 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 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: Senior Software Engineer role focused on building and scaling backend systems for real-time and post-transaction fraud detection within a microservices, event-driven architecture. The position involves designing APIs and services, improving system reliability, and collaborating cross-functionally to deliver scalable fraud tooling. Fully remote role based in Poland with on-call responsibilities. 🗂️ Requirements: 5+ years backend development experience, Experience building scalable systems in Python or Kotlin, Experience with distributed systems, Experience with AWS cloud infrastructure, Experience with MySQL or PostgreSQL, Experience with Kubernetes, Strong system design skills, Proficiency in SQL, Experience with CI/CD pipelines, Willingness to participate in on-call rotation 📃 Skills: Python, Kotlin, AWS, MySQL, PostgreSQL, Kubernetes, SQL, CI/CD, Snowflake, dbt, Airflow, Chronosphere 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud—both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our buyers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America—including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will design and implement backend services and APIs using Python or Kotlin, operating within Affirm’s microservice and event-driven architecture. You will take an active role in shaping the team’s roadmap, collaborating on technical design, and driving execution across projects that span multiple teams. You will partner with the Engineering Manager and your teammates to elevate quality standards, evolve engineering processes, and represent the team in cross-functional initiatives. You will collaborate cross-functionally with stakeholders in Fraud Ops, Compliance, Product, Machine Learning, and Analytics to build scalable fraud tooling and infrastructure. You will proactively identify opportunities to improve system reliability, team efficiency, or architecture—and lead efforts to address them. You will contribute to operational excellence by maintaining high observability standards, responding to incidents, and participating in the on-call rotation. You will foster a culture of ownership, inclusion, and craftsmanship by mentoring teammates, providing feedback, and upholding high code and design standards. On-Call Rotation - There would be an on-call rotation for this role as a requirement. What We Look For 5+ years of experience building backend systems at scale using Python or Kotlin. Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. Strong system design skills and a track record of delivering maintainable, extensible services. Proficiency in SQL and working with data-rich environments. Familiarity with CI/CD practices and safe production deployments. Strong written and verbal communication skills, especially in distributed teams. A proactive, ownership-driven mindset with a focus on learning and team success. Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have) Background in fraud prevention, risk systems, or post-transaction tooling. (nice to have) Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints. (nice to have) Compensation & Benefits Base Pay Grade - N Equity Grade - 4 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 301,000 zł  -  401,000 zł Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force.

🏢 Summary: Senior Software Engineer role on the Test Enablers team, building scalable testing platforms and developer productivity infrastructure. The position focuses on synthetic identities, test data, mocking, deterministic validation, load testing, CI reliability, and operational ownership of internal platforms. It offers remote work in Poland with compensation, equity eligibility, and comprehensive benefits. 🗂️ Requirements: 5+ years of software engineering experience, Backend engineering experience, Distributed systems, platform infrastructure, internal developer tools, or testing infrastructure experience, Test automation, test data, mocking, contract testing, integration testing, load testing, and CI/CD experience, System design, testing, debugging, reliability, and production operations expertise, Operational ownership of critical testing platforms, Observability, alerting, SLOs, runbooks, and incident-readiness experience, Ability to lead ambiguous medium-to-large technical projects independently, Cross-functional technical collaboration and communication, Technical documentation experience: specs, RFCs, ADRs, project plans 📃 Skills: Python, Kotlin, Java, DistributedSystems, TestAutomation, Mocking, ContractTesting, IntegrationTesting, LoadTesting, CICD, Observability, SLOs, Alerting, Runbooks 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without hidden fees or compounding interest.

What You’ll Do

What We Look For

Compensation and Benefits

🏢 Summary: Senior Software Engineer role on a Test Enablers platform team, building scalable infrastructure for synthetic identities, test data, mocking, load testing, and deterministic validation. The role drives reliable, observable testing systems and CI signals, supports safer production-like load testing, and leads technical projects that improve developer productivity. 🗂️ Requirements: 5+ years of software engineering experience, Backend engineering experience with Python, Kotlin, Java, or similar languages, Experience designing, building, and operating distributed systems, platform infrastructure, internal developer tools, or testing infrastructure, Experience with test automation, test data, mocking, contract testing, integration testing, load testing, and CI/CD platforms, Experience improving reliability, observability, operational maturity, and maintainability, Strong system design, testing, debugging, reliability, and production operations fundamentals, Operational ownership of critical internal testing platforms, Ability to independently deliver ambiguous technical projects, Ability to collaborate across engineering teams and communicate through technical documentation 📃 Skills: Python, Kotlin, Java, CI/CD, SLOs, Dashboards, Alerting, Runbooks, Mocking, Automation, Loadtesting, Contracttesting, Integrationtesting, Observability, Debugging 🏢 Description: Description The Test Enablers team builds and operates platforms that allow engineering teams to test with confidence. Its systems provide synthetic identities, test data seeding, mocking, deterministic testing workflows, and load testing. The role helps build validation systems that are fast, trustworthy, automated, and scalable. It focuses on helping engineers validate product changes earlier, run safer load tests, reduce reliance on expensive E2E-only validation, improve the reliability of CI signals, and prepare testing infrastructure for AI-assisted development workflows with deterministic, observable, and actionable feedback. What You’ll Do • Design, build, and maintain scalable systems for synthetic identities, test data seeding, mocking, load testing, and deterministic validation workflows. • Help evolve testing strategy from broad E2E-heavy validation toward a scalable model with stronger component, integration, contract, performance, and targeted E2E testing. • Build platform capabilities that make production-like load testing safer, more repeatable, and easier to operate. • Improve the test platform so it is reliable, observable, and easier for other teams to adopt. • Partner with product engineering and infrastructure teams to improve test signal quality, reduce false failures, and support faster validation loops. • Lead medium-to-large technical projects from ambiguous problem definition through design, implementation, rollout, and operational ownership. • Improve reliability and operational maturity through dashboards, SLOs, alerts, runbooks, and clear ownership models. • Reduce manual operational load for load testing, including test data creation, environment setup, reporting, and failure diagnosis. • Write high-quality, maintainable code that can be easily understood and extended by others. • Contribute to technical specs, RFCs, ADRs, project plans, and other async artifacts that align teams around technical decisions. • Review code and technical designs, provide constructive feedback, and help raise engineering standards. • Mentor engineers and help build a culture of practical testing excellence. What We Look For • 5+ years of software engineering experience. • Strong backend engineering experience with Python, Kotlin, Java, or similar languages. • Experience designing, building, and operating distributed systems, platform infrastructure, internal developer tools, or testing infrastructure. • Strong ownership and ability to independently drive ambiguous technical work to completion. • Experience improving system reliability, observability, operational maturity, and maintainability. • Ability to collaborate across engineering teams and influence technical direction through clear communication. • Excellent written and verbal communication skills, including async artifacts such as technical specs, RFCs, ADRs, and project plans. • Strong engineering fundamentals across system design, testing, debugging, reliability, and production operations. • Operational ownership of critical internal testing platforms, including reliability, observability, alerting, runbooks, and incident readiness. • Experience with test automation frameworks, test data systems, mocks, contract testing, integration testing, load testing, and CI/CD platforms. • Ability to balance pragmatic delivery with long-term technical quality. • Passion for improving developer productivity and product quality through scalable, automated, reliable systems. Compensation and Benefits Base Pay Grade - N Equity Grade - Poland 4 Employees new to the role 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 tech spending, as well as benefits including 100% subsidized medical coverage, dental, and vision for employees and their dependents. Employees may also be eligible for equity rewards. Base pay range per year: 308,000 zł - 428,000 zł Additional benefits include: • Contract of Employment • Flexible Spending Wallets for tech, food, and lifestyle • Away Days wellness days to take time off and recharge • Learning & Development programs • Parental benefits • Employee Resource & Community Groups • Eligibility for creative tax benefits, subject to applicable law and policy The majority of roles can be located anywhere in Poland. This job description is not a contractual document and is not intended to have binding force.

🏢 Summary: Senior Software Engineer role on an international Identity team, building and evolving KYC, user lifecycle, and identity decisioning systems that support global expansion. The position leads delivery of scalable backend initiatives, improves system reliability and operational standards, and mentors engineers while collaborating across product, design, and analytics. 🗂️ Requirements: 4+ years designing, developing, and launching scalable backend systems, Experience with Python or Kotlin, Experience building highly available distributed systems, Experience with AWS, MySQL, and Kubernetes, Ability to define technical plans for significant features or system components, Experience safely making significant changes in large codebases, Strong verbal and written communication skills, Ability to collaborate with global engineering teams 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, KYC 🏢 Description: Affirm’s Identity team is mission-critical to the customer checkout experience. When a customer chooses Affirm, one of the first steps is an identity check, and the ability to make the right decision directly impacts conversion, revenue, fraud exposure, and regulatory compliance. The team owns Identity for all markets outside North America, playing a key role in international expansion. It is responsible for KYC, user lifecycle management, and identity decisioning across multiple regulatory environments. This work involves shaping how the core Identity platform adapts to new market dynamics, customer expectations, and compliance requirements. The team is looking for a Senior Software Engineer who can turn ambiguous business and customer problems into reliable, well-designed technical solutions. In this role, you will help shape quarterly technical direction, translate team goals into concrete projects, and identify cross-cutting risks, tradeoffs, and opportunities. You should be comfortable designing across system boundaries, driving collaboration with partner teams, and advocating for technical investments that improve long-term execution. The role requires ownership beyond shipping code: raising code quality and review standards, making performance, availability, and scale tradeoffs explicit, and improving the operational health of owned systems. You will help reduce toil, create useful playbooks, mentor engineers, support new hires and interns, and contribute to high-signal hiring. This is a high-visibility, high-impact role working on foundational systems that enable global growth. Quick Facts • Team of six engineers based across Spain and Poland • Work on KYC, user lifecycle management, and identity decisioning for markets outside North America • Remote-first role; most roles can be performed from anywhere within Poland What You'll Do • Own and deliver quarterly goals for the team, lead engineers through ambiguity to solve open-ended problems, and ensure support throughout delivery. • Collaborate with product management, design, and analytics throughout the product development lifecycle, including ideation, articulating technical constraints, and making decisions that consider 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 supporting on-call and operational efforts. • Foster quality and ownership by setting or improving code review and design standards, and advocate for them through writing and tech talks. • Develop team talent by providing feedback and guidance and leading by example. What We Look For • 4+ years of experience designing, developing, and launching backend systems at scale using languages such as Python or Kotlin. • Track record of developing highly available distributed systems using technologies such as AWS, MySQL, and Kubernetes. • Experience defining a technical plan for delivering a significant feature or system component with an elegant, simple, and extensible design. • Ability to write high-quality code that is easily understood and used by others. • Proficiency making significant changes in a large codebase, supported by tools and practices that enable safe delivery. • Ownership of professional growth and proactive solicitation of feedback from the team, manager, and stakeholders. • Strong verbal and written communication skills for effective collaboration with a global engineering team. Compensation & Benefits Base pay range per year: 308,000 zł–428,000 zł. The total compensation package may include monthly stipends for health, wellness, and technology spending; 100% subsidized medical, dental, and vision coverage for employees and dependents; and potential 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 policy • Health care coverage with premiums covered for all coverage levels for employees and dependents • Competitive vacation and holiday schedules • Employee stock purchase plan with discounted share purchases Reasonable accommodations are available during the hiring process for candidates who need individualized support.

🏢 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: 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.