Senior Software Engineer, Backend (Card Acquisition)

About the Position

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

We are seeking a Senior Software Engineer, Backend to join the Card Acquisition team within the Consumer org. The team plays a critical role in shaping the first experience customers have with Affirm-building trust, clarity, and value from the very first interaction. As a Senior Engineer, you will be responsible for defining long-term technical strategy, mentoring senior engineers, and acting as a force multiplier through your technical depth, operational excellence, and ability to navigate ambiguity. You'll work at the intersection of product, design, and engineering to build polished, performant, and accessible user experiences that directly impact conversion, retention, and business growth.

Responsibilities

• 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.
• Support peers and stakeholders in the product development lifecycle by collaborating with product management, design, and analytics, participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
• Proactively identify project, process, technology, or business issues, advocate for them, and lead in solving them.
• Take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing, and alerting in place to support “keep the lights on” & on-call efforts.
• Foster a culture of quality and ownership by setting or improving code review and design standards for your team, and advocating for them beyond your team through writing and tech talks.
• Help develop talent on your team by providing feedback and guidance, and leading by example.
• Participate in an on-call rotation as a requirement.

Requirements

• 4+ years of experience designing, developing, and launching backend systems at scale using languages like Python or Kotlin.
• Experience developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes.
• Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple, and extensible design. Write high-quality code that is easily understood and used by others.
• Proficiency 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.
• Experience demonstrating that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.
• Either equivalent practical experience or a Bachelor’s degree in a related field.

We Offer

• Compensation: Base pay range per year: €86,000 - €122,000.
• Equity: Equity rewards offered by Affirm Holdings, Inc. (parent company).
• Benefits:
  • 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.
• Visa Sponsorship: Available for this role, but requires being based in Spain.

About the Company

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.

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