Senior Software Engineer, Backend (Card)

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.

We are reinventing credit cards in the most transparent way possible. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. You'll work across stacks and across the company, working both in just-in-time transaction processing that has to take place in milliseconds, along with our ledgering and reconciliation systems in post-transaction processing. This is some of the more difficult, exciting, experimental engineering work in Affirm. Join us and our team in Spain and Poland to help us revolutionize payments!

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 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.

Requirements

• 4+ years of experience as a software engineer.
• Experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes.
• Experience shipping front end applications.
• 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.
• 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.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.

We Offer

• Base Pay Grade N: 308,000 zł - 428,000 zł
• Equity: Employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
• Benefits:
  • Competitive paid time off, paid public holidays, and additional paid Away Days.
  • Comprehensive private healthcare through Lux Med's Platinum package.
  • A MultiSport card to support your health and well-being.
  • Learning and development programs to help you grow professionally.
  • Family healthcare support through Maven and parental leave support through Parentaly.
  • Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members.
  • Financial well-being support through Northstar, with unlimited access to Certified Financial Advisors and planning tools at no cost to you.
  • Employee Resource Groups (ERGs) that foster connection and inclusion.
  • Eligibility for creative tax benefits, subject to applicable law, role, and company policy.

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. Here are a few highlights:

• 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.

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.

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