The Bankruptcies & Hardships team (B&H) 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, 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

 - 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.
 - On-Call Rotation - There would be an on-call rotation for this role as a requirement
 - 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, Kotlin or Java.
 - 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.

Compensation and Benefits

Base Pay Grade - J

Equity Grade - Spain 2

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: €55,000 - €85,000

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 & Development programs
• Parental benefits
• Employee Resource & 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

The Bankruptcies & Hardships team (B&H) 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, 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

 - 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, Kotlin or Java.
 - 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.

Compensation and Benefits

The Bankruptcies & Hardships team (B&H) 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, 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

 - 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, Kotlin or Java.
 - 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.

Compensation and Benefits

The Repayment Scheduling engineering team is growing rapidly, and we're looking for a Software Engineer specializing in Backend development. We're a fully European engineering team – distributed across Poland and Spain with overlapping working hours. We build and own the system that enables our users to schedule automatic payments to pay back loans worth collectively over $30B each year. We directly improve the financial lives of over 20 million people, giving them peace of mind that their payments will be made on time.

The team was created recently with brand new scope, and you would be one of the first engineers on this team. This means an outsized opportunity to influence how a core part of Affirm's infrastructure gets built. 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, 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.

Compensation and Benefits

The Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis and fraud detection.

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 2+ years of experience as a software engineer.
· You have experience designing, developing and launching backend systems and are proficient in 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.

Compensation & Benefits

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).

POL base pay range per year: 252,000 zł  -  352,000 zł            

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 & Development programs
• Parental leave
• Employee Resource & Community Groups

This role is eligible for creative tax benefits, 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

The Procurement Lead is a key player on our team, working on the Procurement Operations Team and with Financial Partnerships. The Procurement Lead is responsible to help ensure Procurement Operations is running seamlessly, and in accordance with company policy as well as guiding Affirm’s business owners through the purchasing process.  We value experience, intelligence, creativity and critical thinking in addition to all of the traits necessary to represent Affirm in the payments and FinTech ecosystem.

What you’ll do

• Manage the pipeline of procurement requests and ensure that all stakeholder teams (e.g. Legal, Information Security, Strategic Finance, etc.) conduct timely review and approval 

• Guide internal stakeholders through the process of submitting purchase requests and occasionally submit requests on behalf of business teams.

• Manage vendor onboarding in our P2P system, collecting supplier details for proper review 

• Reviewing supplier external form to validate proper banking and tax information is provided 

• Conduct beginning to end process in contract review in partnership with Vendor Legal 

•  Manage internal events and hotel purchase process

• Be liaison between Affirm events team, Affirm’s Executive Assistants  and Vendor Legal to move contract approval process along in a timely manner

• In charge of urgent and high priority purchase requests

• Manage all Affirm Poland purchases in partnership with Financial Partnerships

• Communicate with Polish vendors and review of Polish contracts with vendor legal 

• Lead and implement assigned process improvement projects that will impact Procurement and broader teams at Affirm. 

What we look for

• You have 3-5 years of recent experience in Procurement Operations or Supply Chain Operations and Procurement Tools (preferably Zip and Netsuite)

• Experience with managing urgent purchase categories and working with tight purchase deadlines

• Demonstrated experience in helping improve procurement processes and implementing best practices

• You demonstrate strong analytical and problem-solving skills 

• Ability to prioritize competing initiatives and manage multiple projects simultaneously

• You are comfortable interacting with internal partners and external counterparties to solve problems

Compensation and Benefits

The Repayment Scheduling engineering team is growing rapidly, and we're looking for a Software Engineer specializing in Backend development. We're a fully European engineering team – distributed across Poland and Spain with overlapping working hours. We build and own the system that enables our users to schedule automatic payments to pay back loans worth collectively over $30B each year. We directly improve the financial lives of over 20 million people, giving them peace of mind that their payments will be made on time.

The team was created recently with brand new scope, and you would be one of the first engineers on this team. This means an outsized opportunity to influence how a core part of Affirm's infrastructure gets built. 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, 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.
- On-Call Rotation - There would be an on-call rotation for this role as a requirement

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.

Compensation and Benefits

Base Pay Grade - J

Equity Grade - 2 

We’re hiring an L7 Engineering Manager to lead Furnishing Engineering, responsible for building and operating the pipelines and services that furnish accurate, timely credit reporting data to external bureaus and partners at scale. You will set technical direction and execution strategy across data pipelines, platform services, and reliability controls, balancing compliance, auditability, and customer impact. 

This role requires exceptional technical rigor: you’ll be able to dive deep into pipeline architecture, data quality and its sources, failure modes, and performance bottlenecks, and use that depth to uplevel engineering excellence through strong design reviews, pragmatic standards, and mentorship. 

What you’ll do

• You’ll manage and grow a team of engineers, partner closely with Product, Compliance/Legal, and Analytics, and drive delivery through clear technical decision-making and operational discipline.
• You’ll develop a deep understanding of the system design of the ETL pipelines and the dependencies on upstream data sources. 
• You’ll own key outcomes and metrics (accuracy, timeliness, completeness, and incident rates) and lead multi-quarter cross-org initiatives that measurably improve the pipeline’s quality and reliability.
• You’ll manage and grow a team of engineers, partner closely with Product, Compliance/Legal, 
• Own availability, reliability, and performance of your team’s systems.
• Partner with product managers to design and build best-in-class systems and processes for collections.
• Partner with a diverse set of engineering teams who build solutions throughout the entire lifecycle of a loans repayment at Affirm
• Build relationships and engage with senior management in the organization

What we look for

• 7+ years of proven experience as a software engineer role with leadership responsibilities and 2+ years as an engineering manager.
• Drive to change consumer financial services for the better.
• Prior experience growing and managing high performing engineering teams.
• Fluency in back end system design.
• Prior experience architecting, building, launching and maintaining consumer scale products.
• Strong cross-team communication and collaboration skills.
• Knowledge of basic loans lifecycle and credit reporting is a plus.

Compensation and Benefits

Base Pay Grade - P

Equity Grade - Poland 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 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: 358,000 zł  -  458,000 zł              

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 & Development programs
• Parental benefits
• Employee Resource & Community Groups
• This role is eligible for creative tax benefits, subject to applicable law and company policy

We’re hiring an L7 Engineering Manager to lead Furnishing Engineering, responsible for building and operating the pipelines and services that furnish accurate, timely credit reporting data to external bureaus and partners at scale. You will set technical direction and execution strategy across data pipelines, platform services, and reliability controls, balancing compliance, auditability, and customer impact. 

This role requires exceptional technical rigor: you’ll be able to dive deep into pipeline architecture, data quality and its sources, failure modes, and performance bottlenecks, and use that depth to uplevel engineering excellence through strong design reviews, pragmatic standards, and mentorship. 

What you’ll do

• You’ll manage and grow a team of engineers, partner closely with Product, Compliance/Legal, and Analytics, and drive delivery through clear technical decision-making and operational discipline.
• You’ll develop a deep understanding of the system design of the ETL pipelines and the dependencies on upstream data sources. 
• You’ll own key outcomes and metrics (accuracy, timeliness, completeness, and incident rates) and lead multi-quarter cross-org initiatives that measurably improve the pipeline’s quality and reliability.
• You’ll manage and grow a team of engineers, partner closely with Product, Compliance/Legal, 
• Own availability, reliability, and performance of your team’s systems.
• Partner with product managers to design and build best-in-class systems and processes for collections.
• Partner with a diverse set of engineering teams who build solutions throughout the entire lifecycle of a loans repayment at Affirm
• Build relationships and engage with senior management in the organization
• On-Call Rotation - There would be an on-call rotation for this role as a requirement.

What we look for

• 7+ years of proven experience as a software engineer role with leadership responsibilities and 2+ years as an engineering manager.
• Drive to change consumer financial services for the better.
• Prior experience growing and managing high performing engineering teams.
• Fluency in back end system design.
• Prior experience architecting, building, launching and maintaining consumer scale products.
• Strong cross-team communication and collaboration skills.
• Knowledge of basic loans lifecycle and credit reporting is a plus.

Compensation and Benefits

Base Pay Grade - P

Equity Grade - Spain 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. 

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  -  131,000            

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 leave
• Employee Resource & 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

The Marketplace Experience team sits within Affirm’s Direct-to-Consumer organization and owns the core discovery and evaluation surfaces that help shoppers find the right merchant and financing option for their needs. Our scope includes search, deals, and merchant detail experiences, which are high-traffic, highly visible entry points that directly influence shopper trust, engagement, and downstream conversion. We work at the intersection of consumer experience, merchant strategy, and platform capabilities, partnering closely with Product, Design, Analytics, and dependent platform teams.

We are seeking a Staff Software Engineer to provide technical leadership across Marketplace Experience. This is a senior individual contributor role for an engineer who can define and drive long-term technical strategy while remaining deeply hands-on. You will shape the evolution of our systems as we scale the Marketplace to support new discovery paradigms, personalization, and experimentation, while maintaining high standards for performance, reliability, and quality.

In this role, you will operate as a force multiplier by setting architectural direction, leading cross-team initiatives, and raising the bar for engineering excellence across the team. You’ll be expected to navigate ambiguity, balance product velocity with technical sustainability, and mentor engineers through example and feedback. If you’re motivated by owning critical customer-facing systems and influencing how teams build and operate software, this role offers broad scope and impact.

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 & 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, policies, testing and alerting in place to support “keep the lights on” & 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

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, React Native 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 & 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.

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 - €131 000

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 leave
• Employee Resource & 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 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 Experience team sits within Affirm’s Direct-to-Consumer organization and owns the core discovery and evaluation surfaces that help shoppers find the right merchant and financing option for their needs. Our scope includes search, deals, and merchant detail experiences, which are high-traffic, highly visible entry points that directly influence shopper trust, engagement, and downstream conversion. We work at the intersection of consumer experience, merchant strategy, and platform capabilities, partnering closely with Product, Design, Analytics, and dependent platform teams.
We are seeking a Staff Software Engineer to provide technical leadership across Marketplace Experience. This is a senior individual contributor role for an engineer who can define and drive long-term technical strategy while remaining deeply hands-on. You will shape the evolution of our systems as we scale the Marketplace to support new discovery paradigms, personalization, and experimentation, while maintaining high standards for performance, reliability, and quality.
In this role, you will operate as a force multiplier by setting architectural direction, leading cross-team initiatives, and raising the bar for engineering excellence across the team. You’ll be expected to navigate ambiguity, balance product velocity with technical sustainability, and mentor engineers through example and feedback. If you’re motivated by owning critical customer-facing systems and influencing how teams build and operate software, this role offers broad scope and impact.


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 & 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” & 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.


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 like AWS, MySQL, Spark and Kubernetes.
· 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 & Benefits

Base Pay Grade - P

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 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).

PL base pay range per year: PLN 358 000 - PLN 458 000

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 & Development programs
• Parental leave
• Employee Resource & Community Groups
• This role is eligible for creative tax benefits, 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

We are looking for a Senior Operations Accountant to support our Poland AP operations. In this role, you will ensure timely and accurate invoice processing, payments, and month-end close activities, while acting as a key point of contact for AP contractors, vendors, and internal stakeholders.

What we look for

• At least 4 years of hands-on experience in Accounts Payable
• Strong understanding of AP processes, month-end close, accruals, and reconciliations
• Strong understanding of Procure-To-Pay
• Experience in AP processing in multiple countries, currencies 
• Experience working with ERP systems (e.g., NetSuite) and payment platforms
• Familiarity with SLAs, KPIs, and performance monitoring
• Excellent organizational skills and ability to manage multiple priorities
• Strong communication skills and ability to work cross-functionally
• Experience supporting or assisting junior team members or contractors
• Ability to identify issues, escalate appropriately, and drive resolutions
• Advanced Excel skills and comfort working with financial data
• Experience with audit support and documentation is a plus
• Knowledge of vendor management and payment processes (wires, ACH, etc.)
• High attention to detail and commitment to accuracy and deadlines

What will you do

• Work closely with Poland AP contractors offering support and guidance, ensuring SLA/KPI compliance
• Monitor AP inboxes and ticketing systems, resolve queries, and escalate issues
• Manage invoice flow and ensure timely payments (wires, ACH, checks)
• Investigate and resolve payment and cash matching issues
• Communicate with vendors and resolve discrepancies
• Collaborate with Procurement, Finance, and other stakeholders
• Support month-end close (accruals, journal entries, flux analysis)
• Perform reconciliations for AP, accrued expenses, and clearing accounts
• Prepare reports and support audits and compliance processes
• Identify process improvements and maintain AP documentation

Base Pay Grade - F

Equity Grade - Poland 2

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).

POL base pay range per year: 149,000 zł - 179,000 zł

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 & 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 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

Join the pioneering Servicing International team at the forefront of Affirm's global expansion, building the foundational platform to launch our products into a new generation of international markets. This role will focus specifically on purchase protection, including disputes and refunds—a critical part of the user journey and an area of significant investment—to ensure trust and satisfaction for our newest customers. Success requires deep collaboration, and you will partner closely with European engineering counterparts and engineers across our global Servicing Engineering organization to build cohesive, scalable solutions. If you are passionate about creating world-class user experiences and excited by the challenge of launching products in new regions, join us. Help build the next generation of Affirm's platform and define our presence around the world.

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 & 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.
· On-Call Rotation - There would be an on-call rotation for this role as a requirement.

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 using Python, Kotlin, or similar backend languages, alongside technologies like AWS, MySQL, and Kubernetes.
· You’ve had exposure to building web apps with declarative UI frameworks (e.g., React or Vue) and understand the core principles behind them.
· 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 & Benefits

Base Pay Grade - N

Equity Grade - 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. 

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 & Development programs
• Parental benefits
• Employee Resource & Community Groups

We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.

Join the pioneering Servicing International team at the forefront of Affirm's global expansion, building the foundational platform to launch our products into a new generation of international markets. This role will focus specifically on purchase protection, including disputes and refunds—a critical part of the user journey and an area of significant investment—to ensure trust and satisfaction for our newest customers. Success requires deep collaboration, and you will partner closely with European engineering counterparts and engineers across our global Servicing Engineering organization to build cohesive, scalable solutions. If you are passionate about creating world-class user experiences and excited by the challenge of launching products in new regions, join us. Help build the next generation of Affirm's platform and define our presence around the world.

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 & 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.

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 using Python, Kotlin, or similar backend languages, alongside technologies like AWS, MySQL, and Kubernetes.
· You’ve had exposure to building web apps with declarative UI frameworks (e.g., React or Vue) and understand the core principles behind them.
· 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 and Benefits

The Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints, and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis, and fraud detection.

We’re looking for a Senior Software Engineer to join our fully remote team based in Europe.

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 & 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 drive detailed project definition, design, cross-functional alignment, estimation, in addition to task break-down, delivery, monitoring, and maintenance.
• 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.
• You will mentor engineers on the team to help improve their designs, code quality, and testing.
• You will own the availability, reliability, and performance of your team’s systems.
• On-Call Rotation - There would be an on-call rotation for this role as a requirement.

What We Look For

• You have 4+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers.
• You have experience designing, developing and launching backend systems at scale and are proficient in one of Python or Kotlin
• You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• You are expert at synthesizing complex business products, and technical requirements to consistently produce high quality system designs and software.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• 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.

The Merchant Data Platform is a backend, foundational service at Affirm. We are responsible for merchant data and identity across all merchant touchpoints. Our checkout-critical platform serves millions of requests per day, supports the onboarding of merchants across all onboarding touchpoints, and maintains strict availability and latency SLAs given the criticality of the service. Further, the team maintains sophisticated pipelines that enrich our datasets for the purposes of merchant identification, risk analysis, and fraud detection.

We’re looking for a Senior Software Engineer to join our fully remote team based in Europe.

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 & 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 drive detailed project definition, design, cross-functional alignment, estimation, in addition to task break-down, delivery, monitoring, and maintenance.
• 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.
• You will mentor engineers on the team to help improve their designs, code quality, and testing.
• You will own the availability, reliability, and performance of your team’s systems.

What We Look For

• You have 4+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers.
• You have experience designing, developing and launching backend systems at scale and are proficient in one of Python or Kotlin
• You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• You are expert at synthesizing complex business products, and technical requirements to consistently produce high quality system designs and software.
• You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• 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 & Benefits

Base Pay Grade - N

Equity Grade - 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. 

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 zł  -  401,000 zł     

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 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

The Deal Reporting team is responsible for building our critical capital partner integrations, as well as services to automate funding processes safely and reliably. We partner with Product and Capitals Markets teams to understand and implement complex financial structures, integrations and reporting. We are looking for a highly motivated Staff Software Engineer to help empower Deal Reporting's first international team, and build integrations, services, and testing infrastructure to power the funding of every Affirm loan.

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 & 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” & 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.

What We Look For:
· You have 7+ 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 like AWS, MySQL, and Kubernetes.
· Knowledge of Spark and it’s inner workings is a must.
· Knowledge on task orchestration systems like Airflow or Temporal is a good to have.
· 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 & Benefits

Base Pay Grade - P

Equity Grade - Poland 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 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: 358,000 zł - 458,000 zł  

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 & Development programs
• Parental benefits
• Employee Resource & Community Groups

This role is eligible for creative tax benefits, subject to applicable law and company policy.

This job description is not a contractual document, and is not intended to have binding force.

Location - Remote Poland

The majority of our roles can be located anywhere in Poland.

#LI-Remote

The Deal Reporting team is responsible for building our critical capital partner integrations, as well as services to automate funding processes safely and reliably. We partner with Product and Capitals Markets teams to understand and implement complex financial structures, integrations and reporting. We are looking for a highly motivated Staff Software Engineer to help empower Deal Reporting's first international team, and build integrations, services, and testing infrastructure to power the funding of every Affirm loan.

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 & 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” & 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”.

What We Look For:
· You have 7+ 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 like AWS, MySQL, and Kubernetes.
· Knowledge of Spark and it’s inner workings is a must.
· Knowledge on task orchestration systems like Airflow or Temporal is a good to have.
· 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 & 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. 

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  -  €131,000    

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 benefit
• Employee Resource & Community Groups

We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.