Affirm is a leading financial technology company that provides transparent payment solutions, most notably its "buy now, pay later" (BNPL) service. Founded by PayPal co-founder Max Levchin, the company aims to provide an honest alternative to traditional credit cards by offering fixed-payment loans with no hidden fees. Affirm is a publicly traded company (NASDAQ: AFRM) with a global workforce of several thousand employees, serving millions of consumers and thousands of merchant partners across North America and Europe. In Spain, Affirm has established a major engineering and product hub, largely centered in Madrid following its acquisition of the returns management platform Returnly. The company offers a remote-first work model in Spain, making it highly attractive for international professionals seeking flexibility. As an English-first organization with a diverse global team, Affirm provides a seamless environment for non-Spanish speakers and focuses heavily on high-scale backend engineering, machine learning, and product innovation.

Founded in 2012 by Max Levchin and a group of co-founders, Affirm was created to build a more transparent financial system. The company went public on the NASDAQ in 2021 and expanded its European footprint through the acquisition of Returnly, which had a significant engineering base in Madrid.

Software Engineer II, Backend (Repayment UX)

Affirm

Requirements

· 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.

Benefits

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

Original Advert

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).

ESP base pay range per year: €73 000 - €109 000

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 Spain

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.