Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging from one to sixty months. As of June 30, 2022, the company had approximately 235,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel and ticketing, apparel, accessories, consumer electronics, and jewelry. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

affirm

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. Our mission to deliver honest financial products that improve lives extends beyond borders. Consumers across the globe need safe, transparent financing. Our retail partners need Affirm to be there for them, wherever that might be. To help achieve this vision, we are expanding our product lines and becoming a global company. As a Senior Product Manager for Credit and Purchasing Experience on the International team, you will be a critical player for enabling customer purchasing experiences across Affirm’s expansion in new international markets. In this role, you will work closely with a broad set of cross functional teams across the entire business, as well as a number of engineering teams. Effective stakeholder management and ability to successfully navigate organizational dynamics are a must for success. You should be commercially minded, be high agency with a bias towards action, and comfortable having technical conversations (and opinions).&nbsp; &nbsp; What You'll Do Drive the execution, growth, and scale of Affirm in the United Kingdom for the credit underwriting and corresponding purchase experience interfaces Drive credit and purchase UX strategy and success metrics and see through to execution impact that meaningfully moves the needle for Affirm’s business and customers Understand Affirm UK users and merchants at a deep level -- what’s important to them, what drives their decision making, why they love Affirm, and what they wish we could do better Drive our product expansion to new markets in the credit and purchase experience domain, bringing the best of Affirm's existing approach paired with local market needs Partner closely with engineering teams across the organization to drive product development and prioritization Collaborate with stakeholders (such as Revenue, Legal, Compliance, Credit, Fraud, etc) to shape your product roadmap and incorporate legal, governance &amp; regulatory oversight into your products Identify and create the experiences that make it seamless for merchants to deliver an incredible buy now, pay later experience to consumers &nbsp; What We Look For This isn’t your first rodeo. You’ve directly managed technical software products from kick-off to post-launch – driving meaningful business impact that you can speak to You have experience working on consumer technology product in the UK or Europe. Bonus points if it is a fintech product, even more bonus points if it is a BNPL product You’re equally comfortable diving into technical details with an engineer, iterating on a Figma with a designer, and breaking down a funnel with a data analyst You have the discipline, organizational skills, and interpersonal communication skills necessary to navigate complex organizational dynamics – you have specific examples of times when you’ve secured a decision from a broad group of senior stakeholders You’ve worked in an environment where you were reliant on engineering teams outside of your direct purview and were able to effectively influence them to prioritize and build what you needed for your product You’re the kind of person who cares about getting things done. You have a bias towards action and can effectively navigate obstacles and blockers You can turn incomplete, conflicting, or ambiguous inputs into a solid action plan You have direct experience shipping high-quality products on time &nbsp; Base Pay Grade - NEquity Grade - 5Employees 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).Base pay range per year: £117,000 - £157,000 Location: Remote UK#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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Product Manager (International)

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 Marketplace team in Direct to Consumer builds the discovery platforms behind Affirm’s search, deals, and merchant details experiences. Our mission is to help shoppers find the right merchant and financing for their needs. As a member of our team, you’ll ship features that make it faster and easier for shoppers to find the right merchant and financing for their needs. You’ll partner closely with Product, Design, and other engineering teams to scope work, write clean and well-tested code, review PRs, and ship new functionality iteratively. We value curiosity, ownership, and empathy for our customers. Join us to grow your impact while building dependable features for our Marketplace. 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. This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Pay Grade - J Equity Grade - 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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)USA base pay range (CA, WA, NY, NJ, CT) per year: $130,000 - $170,000USA base pay range (all other U.S. states) per year: $115,000 - $155,000 &nbsp; #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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Software Engineer, Backend (Marketplace Experience)

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’re excited to welcome a new cohort of graduates with a computer science or related major who are ready to leverage their skills to drive real-world impact and shape the future of finance!&nbsp; In our hybrid early career program, you’ll be paired with a tenured Affirmer and have an opportunity to collaborate in-person 3 days a week out of our London office. You'll experience the best of both worlds: the in-office experience and remote work. After the one-year, you can remain hybrid, go remote, or stay in an office. Opportunities are available across different tech stacks and teams so that you can find a perfect fit to launch your career with Affirm! What You'll Do With the support of your team, you will work on tasks that contribute to the team's projects and goals.&nbsp; 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.&nbsp; 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.&nbsp; You will contribute to a sense of community on your team by engaging in growth and development activities.&nbsp; What We Look For 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.&nbsp; You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.&nbsp; Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.&nbsp; You have strong verbal and written communication skills that support effective collaboration with our global engineering team.&nbsp; This position requires either equivalent practical experience or a Bachelor’s degree in a related field. &nbsp; Pay Grade - J Equity grade - 3Employees 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.&nbsp;Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidised 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). Base pay range per year: £81,000 - £111,000 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 &amp; Development programs• Parental benefits• Employee Resource &amp; Community Groups• This role is eligible for creative tax benefits, subject to applicable law and company policy 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Software Engineer, Early Career

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 Growth Platform team builds shared backend platforms that power incentives, experimentation, personalization, and data-driven decisioning across Affirm’s consumer and merchant experiences, directly influencing customer acquisition, engagement, and retention. What you’ll do You will be responsible for setting technical strategy for your team on a year-long time scale, owning backend platforms that power incentives and growth initiatives across Affirm You will collaborate with product management, analytics, and partner teams to shape technical direction for incentive systems, ensuring long-term sustainability, correctness, and clear trade-offs that inform roadmap decisions. You will act as a force-multiplier by defining platform abstractions, APIs, and architectural patterns that enable product teams to safely launch, experiment with, and evolve incentive-based experiences. You take ownership of your team’s operations and availability by ensuring robust monitoring, alerting, playbooks, and on-call practices are in place for business-critical incentive and growth systems. You will foster a culture of quality and ownership by setting clear design and code review standards, and advocating for them beyond your immediate team through written proposals and technical discussions. You will help develop talent on your team by providing actionable feedback, technical guidance, and leadership on complex, high-impact systems.&nbsp; What we look for You have 8+ 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 such as AWS, MySQL, Spark, and Kubernetes. You have experience building or evolving shared backend platforms that support Rewards, Loyalty, Incentives, Experimentation, or other growth-critical workflows used by multiple product teams. You have led complex technical initiatives that required cross-team alignment, long-term architectural thinking, and influence without direct authority. You have experience delivering major features, system components, or deprecating existing functionality through the definition and execution of a clear technical 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 to the architecture of large-scale systems to understand how they work end to end. Your growth and impact trajectory demonstrates that you have mastered gathering, incorporating, and iterating on feedback from engineering and cross-functional peers. You have strong verbal and written communication skills that support effective collaboration with a global engineering organization. This position requires either equivalent practical experience or a Bachelor’s degree in a related field.&nbsp; Pay Grade - PEquity Grade - 13Employees 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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)USA base pay range (CA, WA, NY, NJ, CT) per year: $220,000 - $270,000USA base pay range (all other U.S. states) per year: $200,000 - $250,000#LI Remote&nbsp;&nbsp; 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Staff Software Engineer, Backend (Growth Platform)

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 Growth Platform team builds shared backend platforms that power incentives, experimentation, personalization, and data-driven decisioning across Affirm’s consumer and merchant experiences, directly influencing customer acquisition, engagement, and retention. What you’ll do You will be responsible for setting technical strategy for your team on a year-long time scale, owning backend platforms that power incentives and growth initiatives across Affirm. You will collaborate with product management, analytics, and partner teams to shape technical direction for incentive systems, ensuring long-term sustainability, correctness, and clear trade-offs that inform roadmap decisions. You will act as a force-multiplier by defining platform abstractions, APIs, and architectural patterns that enable product teams to safely launch, experiment with, and evolve incentive-based experiences. You take ownership of your team’s operations and availability by ensuring robust monitoring, alerting, playbooks, and on-call practices are in place for business-critical incentive and growth systems.&nbsp; You will foster a culture of quality and ownership by setting clear design and code review standards, and advocating for them beyond your immediate team through written proposals and technical discussions. You will help develop talent on your team by providing actionable feedback, technical guidance, and leadership on complex, high-impact systems.&nbsp; What we look for You have 8+ 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 such as AWS, MySQL, Spark, and Kubernetes. You have experience building or evolving shared backend platforms that support Rewards, Loyalty, Incentives, Experimentation, or other growth-critical workflows used by multiple product teams. You have led complex technical initiatives that required cross-team alignment, long-term architectural thinking, and influence without direct authority. You have experience delivering major features, system components, or deprecating existing functionality through the definition and execution of a clear technical 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 to the architecture of large-scale systems to understand how they work end to end. Your growth and impact trajectory demonstrates that you have mastered gathering, incorporating, and iterating on feedback from engineering and cross-functional peers. You have strong verbal and written communication skills that support effective collaboration with a global engineering organization. This position requires either equivalent practical experience or a Bachelor’s degree in a related field.&nbsp; Pay Grade - PEquity Grade - 7Employees 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.&nbsp;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).CAN base pay range per year: $178,000 - $228,000 #LI Remote&nbsp; 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 looking for a highly motivated Software Engineer in our Furnishing Platform team to build scalable systems and data pipelines to power our consumer credit reporting. You will partner closely with our Product, Compliance, Servicing, and Credit teams to design robust reporting systems. The systems you will work on are vital for delivering accurate and timely data from Affirm’s financial product portfolio to Consumer Reporting Agencies. Affirm is growing fast and we want you to enable us to scale our products to 10x and beyond through building world-class systems which enable Affirm in its mission to provide honest financial products which improve lives. We are only just getting started! Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride!What You’ll Do Own and deliver strategic outcomes: Drive the definition and delivery of quarterly and long-term goals, ensuring your team’s work ladders up to company-wide objectives. Lead engineers through ambiguity and open-ended problems, providing clarity and direction. Shape architecture and technical strategy: Influence the design of large-scale data and backend systems across multiple teams. Ensure that solutions are scalable, extensible, and aligned with broader engineering standards. Collaborate cross-functionally: Partner with product, analytics, and design to define data-driven solutions. Anticipate risks, articulate trade-offs, and ensure technical decisions support long-term product and business needs. Champion operational excellence: Ensure high availability and reliability of data pipelines and services by establishing strong monitoring, alerting, and recovery practices. Drive improvements that reduce system fragility and operational burden. Mentor and grow talent: Guide engineers within and beyond your team through mentorship, code/design reviews, and technical leadership. Set high standards for engineering practices and foster a culture of ownership and continuous learning. Scale impact beyond your team: Author technical proposals, share best practices via documentation and tech talks, and advocate for improvements that raise the bar for the broader data engineering community.What We Look For Deep technical expertise: 4+ years of experience designing and building large-scale data pipelines and distributed backend systems, with strong proficiency in languages like Python, Kotlin, or similar. Systems at scale: Proven track record of delivering high-volume, highly available systems using technologies like AWS, MySQL, Airflow, Spark, and Kubernetes. Architectural leadership: Experience defining technical strategies for complex, cross-team initiatives. Ability to design elegant, extensible systems that balance short-term needs with long-term scalability. Operational rigor: Skilled at building resilient systems with monitoring, alerting, and safe deployment practices. Comfortable driving significant changes in large, complex codebases. Leadership and influence: History of mentoring engineers, unblocking teams, and shaping best practices beyond your immediate group. Ability to navigate ambiguity and drive clarity across stakeholders. Strong communication: Excellent verbal and written skills that enable you to influence technical and product decisions across a global engineering org. Compensation &amp; Benefits Base Pay Grade - N&nbsp; &nbsp; Equity Grade - Poland 4&nbsp; &nbsp;&nbsp;&nbsp; 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.&nbsp; 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 - 401,000 zł &nbsp; &nbsp; Additional benefits include: Type of employment:&nbsp;Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning &amp; Development programs Parental benefits Employee Resource &amp; Community Groups This role is eligible for creative tax benefits,&nbsp;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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Software engineer (Furnishing Platform)

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 looking for a highly motivated Software Engineer in our Furnishing Platform team to build scalable systems and data pipelines to power our consumer credit reporting. You will partner closely with our Product, Compliance, Servicing, and Credit teams to design robust reporting systems. The systems you will work on are vital for delivering accurate and timely data from Affirm’s financial product portfolio to Consumer Reporting Agencies. Affirm is growing fast and we want you to enable us to scale our products to 10x and beyond through building world-class systems which enable Affirm in its mission to provide honest financial products which improve lives. We are only just getting started! Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride! What You’ll Do Own and deliver strategic outcomes: Drive the definition and delivery of quarterly and long-term goals, ensuring your team’s work ladders up to company-wide objectives. Lead engineers through ambiguity and open-ended problems, providing clarity and direction. Shape architecture and technical strategy: Influence the design of backend systems across&nbsp; multiple teams. Ensure that solutions are scalable, extensible, and aligned with broader engineering standards. Collaborate cross-functionally: Partner with product, analytics, and design to define solutions. Anticipate risks, articulate trade-offs, and ensure technical decisions support long-term product and business needs. Champion operational excellence: Ensure high availability and reliability of&nbsp; services by establishing strong monitoring, alerting, and recovery practices. Drive improvements that reduce system fragility and operational burden. Mentor and grow talent: Guide engineers within and beyond your team through mentorship, code/design reviews, and technical leadership. Set high standards for engineering practices and foster a culture of ownership and continuous learning. Scale impact beyond your team: Author technical proposals, share best practices via documentation and tech talks, and advocate for improvements that raise the bar for the broader data engineering community. On-Call Rotation - There would be an on-call rotation for this role as a requirement What We Look For Deep technical expertise: 4+ years of experience designing and building large-scale distributed backend systems, with strong proficiency in languages like Kotlin (or Python as a plus) Systems at scale: Proven track record of delivering high-volume, highly available systems using technologies like AWS, MySQL, and Kubernetes (Airflow, Spark, as a plus). Architectural leadership: Experience defining technical strategies for complex, cross-team initiatives. Ability to design elegant, extensible systems that balance short-term needs with long-term scalability. Operational rigor: Skilled at building resilient systems with monitoring, alerting, and safe deployment practices. Comfortable driving significant changes in large, complex codebases. Leadership and influence: History of mentoring engineers, unblocking teams, and shaping best practices beyond your immediate group. Ability to navigate ambiguity and drive clarity across stakeholders. Strong communication: Excellent verbal and written skills that enable you to influence technical and product decisions across a global engineering org. Must be proficient in asynchronous mode of communication–written tech specs, wiki, project plans, etc. Project management:&nbsp;high degree of organization and ability to surface critical information effectively. Compensation &amp; Benefits Base Pay Grade&nbsp;- N Equity Grade&nbsp;- Spain 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.&nbsp; 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: €85,000 - €115,000 Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning &amp; Development programs Parental benefits Employee Resource &amp; Community Groups Location - Remote Spain We are able to offer visa sponsorship for this role,&nbsp;but do require that someone is based in Spain for the role. #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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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’re excited to welcome a new cohort of graduates with a computer science or related major who are ready to leverage their skills to drive real-world impact and shape the future of finance!&nbsp; In our hybrid early career program, you’ll be paired with a tenured Affirmer and have an opportunity to collaborate in-person 3 days a week out of our Chicago office. You'll experience the best of both worlds: the in-office experience and remote work. After the one-year, you can remain hybrid, go remote, or stay in an office. Opportunities are available across different tech stacks and teams so that you can find a perfect fit to launch your career with Affirm! What You'll Do With the support of your team, you will work on tasks that contribute to the team's projects and goals.&nbsp; 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.&nbsp; 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.&nbsp; You will contribute to a sense of community on your team by engaging in growth and development activities.&nbsp; What We Look For 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.&nbsp; You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.&nbsp; Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.&nbsp; You have strong verbal and written communication skills that support effective collaboration with our global engineering team.&nbsp; This position requires either equivalent practical experience or a Bachelor’s degree in a related field. &nbsp; Pay Grade - J Equity Grade - 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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)USA base pay range (CA, WA, NY, NJ, CT) per year: $130,000 - $170,000USA base pay range (all other U.S. states) per year: $115,000 - $155,000 Please note that visa sponsorship is not available for this position. 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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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.About the Engineering team&nbsp; The Engineering team builds systems that power Affirm’s mission. We take pride in our craft, building reliable, performant, and scalable solutions that touch every part of the business. Whether we’re enabling new ways to pay, ensuring our platforms can scale to the most demanding levels in the industry, or developing seamless servicing experiences, our focus is on solving complex problems through exceptional engineering. About the team As part of the Consumer Payments team at Affirm, you'll be working on Affirm's Payment Processing Network. These systems currently process billions of dollars in payments each year and are vital components in Affirm's platform. We are looking for highly motivated software engineers who are passionate about building high throughput, high availability systems that can grow alongside a high growth business. You will be working alongside multiple partner teams across Europe and the US to support feature development, international expansion as well as moving the dial on key financial metrics for the business. 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 &amp; 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” &amp; 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, AWS, MySQL, and Kubernetes. You have experience shipping web apps using declarative UI frameworks like React or Vue. Familiarity with the Open Banking industry 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 &amp; Benefits Base Pay Grade - N Equity Grade - 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.&nbsp; 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). GBR base pay range per year: £117,000 - 157,000 &nbsp;#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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Senior Software Engineer, Frontend (Open Banking)

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 Bankruptcies &amp; Hardships team (B&amp;H)&nbsp; is a newly formed engineering group responsible for building Affirm’s core servicing platforms that support customers during critical financial moments. The team owns backend services and pipelines that orchestrate bankruptcy workflows and power compliant, reliable hardship support at scale. Engineers on this team work on distributed systems, event-driven pipelines, and high-availability services with a strong emphasis on correctness, auditability,&nbsp; and operational excellence. You’ll collaborate closely with product, compliance, and other platform teams while helping shape foundational systems in a greenfield environment. This is a high-impact opportunity to apply deep backend expertise in Python and Kotlin to systems that matter to both customers and the business.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 &amp; 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” &amp; 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.· On-Call Rotation - There would be an on-call rotation for this role as a requirement. &nbsp; What We Look For· You have a total of 8+ years of experience as a software engineer.· You are proficient in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes· You are proficient in developing web apps using declarative UI frameworks like React or Vue.· 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 &amp; Benefits Base Pay Grade - P Equity Grade - 6 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.&nbsp; 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: €101,000&nbsp; -&nbsp; €131,000 &nbsp;&nbsp;&nbsp; Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning &amp; Development programs Parental benefit Employee Resource &amp; Community Groups We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role. Location - Remote Spain #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:&nbsp; Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents&nbsp; 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&nbsp;Global Candidate Privacy Notice&nbsp;and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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