Senior Software Engineer, Backend (Card Acquisition)

About the Position

At Affirm, we exist for the moments that matter-giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

Affirm is seeking a Senior Software Engineer 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

• 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 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.
• You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
• You will foster a culture of quality and ownership by setting or improving code review and design standards for your team, and advocating for them beyond your team through writing and tech talks.
• You will help develop talent on your team by providing feedback and guidance, and leading by example.
• On-Call Rotation - There would be an on-call rotation for this role 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. You 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 demonstrates 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

• Base Pay Grade: €86,000 - €122,000 per year
• Equity Grade: 4
• 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
  • Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
  • Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
  • Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
  • Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

About the Company

Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Our benefits reflect our commitment to care, transparency, and flexibility.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.

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