Fullstack Software Engineer

🏢 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: 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: 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: Backend Software Engineer role on the Repayment Scheduling team building and operating large-scale systems that enable automatic loan payments for millions of users. The position involves designing, developing, and maintaining distributed backend services that handle high-value financial transactions at scale. Engineers have strong ownership and influence over a newly formed team’s core infrastructure. 🗂️ Requirements: Experience designing and developing backend systems at scale, Proficiency in Python or Kotlin, Knowledge of distributed systems concepts, Experience with AWS, MySQL, and Kubernetes, Ability to write clear, well-tested, maintainable code, Experience working with large codebases and performing code reviews, Ability to debug complex backend systems, Strong technical communication skills 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, DistributedSystems, Backend, Microservices, APIs, Git 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Repayment Scheduling engineering team is growing rapidly, and we're looking for a Software Engineer specializing in Backend development. We're a fully European engineering team – distributed across Poland and Spain with overlapping working hours. We build and own the system that enables our users to schedule automatic payments to pay back loans worth collectively over $30B each year. We directly improve the financial lives of over 20 million people, giving them peace of mind that their payments will be made on time. The team was created recently with brand new scope, and you would be one of the first engineers on this team. This means an outsized opportunity to influence how a core part of Affirm's infrastructure gets built. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! What You'll Do · With the support of your team, you will work on tasks that contribute to the team's projects and goals. · You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work. · You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime. · You will contribute to a sense of community on your team by engaging in growth and development activities. What We Look For · You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using one of Python or Kotlin. · You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes. · You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. · You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. · Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. · You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Compensation and Benefits Base Pay Grade - J Equity Grade - Poland 2 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 205,000 zł - 285,000 zł Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental leave Employee Resource & Community Groups Location - Remote Poland This job description is not a contractual document, and is not intended to have binding force.

🏢 Summary: Senior 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: Staff Software Engineer role on the Deal Reporting team, building international capital-partner integrations, funding services, and testing infrastructure for loan funding. The position sets technical strategy, drives reliable distributed backend systems, and leads operational quality for business-critical financial workflows. 🗂️ Requirements: 7+ years designing, developing, and launching scalable backend systems, Backend development experience with Python or Kotlin, Experience building highly available distributed systems, Experience with AWS, MySQL, and Kubernetes, Deep knowledge of Spark internals, Experience delivering major features, system components, or deprecations through technical and execution plans, High-quality, maintainable code, Strong written and verbal communication skills, Ability to work across ambiguous, large-scale system architecture and low-level implementation 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, Spark 🏢 Description: The Deal Reporting team builds critical capital-partner integrations and services that automate funding processes safely and reliably. The team partners with Product and Capital Markets teams to implement complex financial structures, integrations, and reporting. This role helps build integrations, services, and testing infrastructure that power the funding of every loan. Quick Facts • Remote role; roles can be located anywhere in Poland. • Base pay range: 358,000 zł–458,000 zł per year. • Employees typically join at the start of the pay range. • Compensation is based on location, experience, and job-related skills. What You'll Do • Set the team's technical strategy on a year-long timescale and connect it to critical, business-impacting projects. • Collaborate with product management, design, and analytics throughout the product development lifecycle to ensure technical sustainability, risks, and trade-offs are understood and managed. • Multiply team impact through technical solutions and operational processes. • Own team operations and availability, including monitoring, triage rotations, playbooks, policies, testing, alerting, and on-call support. • Foster quality and ownership through code-review and design standards, technical writing, and tech talks. • Develop team talent by providing feedback, guidance, and leadership by example. What We Look For • 7+ years of experience designing, developing, and launching backend systems at scale using languages such as Python or Kotlin. • Extensive experience developing highly available distributed systems using AWS, MySQL, and Kubernetes. • Knowledge of Spark and its inner workings. • Experience delivering major features or system components, or deprecating existing functionality, through technical and execution plans. • Ability to write high-quality code that is easy for others to understand and use. • Comfort working through ambiguity, from low-level language idioms to the architecture of large systems. • Demonstrated ability to gather and iterate on feedback from engineering and cross-functional peers. • Strong verbal and written communication skills for collaborating with a global engineering team. Nice to Have • Knowledge of task orchestration systems such as Airflow or Temporal. Compensation & Benefits • Base pay is part of a total compensation package that may include monthly stipends for health, wellness, and technology spending. • Benefits include 100% subsidized medical coverage, dental, and vision coverage for employees and dependents. • Employees may be eligible for equity rewards. • 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. • Eligible for creative tax benefits, subject to applicable law and company policy. This job description is not a contractual document and is not intended to have binding force.

🏢 Summary: Staff Software Engineer role focused on designing and scaling backend systems that power capital partner integrations and automated funding processes for loans. The position involves setting technical strategy, building distributed systems, and ensuring high availability and operational excellence. The engineer will lead architecture, integrations, and testing infrastructure for critical financial reporting services. 🗂️ Requirements: 7+ years backend development experience, Experience designing and launching scalable distributed systems, Proficiency in Python or Kotlin, Hands-on experience with AWS, Experience with MySQL, Experience with Kubernetes, Strong knowledge of Spark, Experience delivering large system components or major features, Ability to define technical strategy and execution plans, Experience with monitoring, alerting, and operational processes 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, Spark, Airflow, Temporal, DistributedSystems, Backend, Monitoring, Testing 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Deal Reporting team is responsible for building our critical capital partner integrations, as well as services to automate funding processes safely and reliably. We partner with Product and Capitals Markets teams to understand and implement complex financial structures, integrations and reporting. We are looking for a highly motivated Staff Software Engineer to help empower Deal Reporting's first international team, and build integrations, services, and testing infrastructure to power the funding of every Affirm loan. What You'll Do: · You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. · You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. · You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. · You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, polcities, testing and alerting in place to support “keep the lights on” & on-call efforts. · You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. · You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For: · You have 7+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes. · Knowledge of Spark and it’s inner workings is a must. · Knowledge on task orchestration systems like Airflow or Temporal is a good to have. · You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. · You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work. · Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers. · You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Compensation & Benefits Base Pay Grade - P Equity Grade - Poland 5 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 358,000 zł - 458,000 zł Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy. This job description is not a contractual document, and is not intended to have binding force. Location - Remote Poland The majority of our roles can be located anywhere in Poland.

🏢 Summary: 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: 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