Principal Software Engineer, Architecture

Spain

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates must have 12+ years of software engineering experience, including prior technical leadership roles, and a Bachelor's degree in Computer Science or a related field, or equivalent practical experience. Proven success driving technical architecture for large-scale consumer or fintech systems, ideally in international or multi-market contexts, is required. Deep experience guiding engineering strategy and delivery in complex, regulated environments, expertise in the European payments landscape, cross-border trade, KYC/AML compliance, and localization at scale are essential. Strong communication skills, a track record of mentoring senior engineers, and extensive experience designing and operating highly available, secure, and scalable distributed systems are necessary. Familiarity with international compliance regimes and European regulatory frameworks, along with JVM experience at scale, are considered a plus. An on-call rotation is also a requirement.

Responsibilities

The Principal Software Engineer will own the architecture, technical roadmap, and delivery outcomes for Affirm’s international expansion, focusing on compliance, localization, cross-border trade, and country-specific payments and KYC requirements. This role involves driving the long-term technical vision, leading architectural strategy and roadmap definition for Europe, and ensuring systems are adaptable to country-specific needs. Responsibilities include defining and upholding standards for design and code quality, partnering with Product and Engineering leadership, guiding cross-functional teams to deliver end-to-end solutions, and building Affirm’s technical leadership bench in Europe by mentoring senior ICs and establishing a strong EU-based tech leads group. The engineer will foster a culture of technical excellence, inclusivity, and rigor across Affirm’s European engineering teams.

Skills

Architecture

Technical Vision

Roadmap Definition

Compliance

Localization

Payments

Cross-border Trade

KYC/AML Regulations

System Design

Code Quality

Mentoring

Technical Leadership

Affirm

Provides buy now, pay later financing solutions

About Affirm

Affirm offers point-of-sale financing solutions as an alternative to traditional credit cards. It allows consumers to make purchases and pay over time through installment plans, often without hidden fees or deferred interest. Affirm partners with merchants to integrate its payment solutions into online and in-store shopping experiences, using user-friendly plugins and APIs. The company generates revenue from interest and fees on loans to consumers, as well as fees from merchants for offering its financing options. Affirm also provides a merchant dashboard for transaction processing and promotional tools to help businesses market these financing options effectively. The goal of Affirm is to empower consumers with flexible payment options while providing value to merchants in the e-commerce and retail markets.

San Francisco, CaliforniaHeadquarters

2012Year Founded

$1,113.8MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses

Supportive communities: Get involved with our employee resource groups and community groups

Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country

Generous time off: Take the time you need when life happens

Health benefits: Get a plan that fits your needs

Mental healthcare: Take care of your mind with great mental health programs

Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.

Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.

Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.

Learning & development: Engage in exciting learning programs to level up your growth.

Risks

Increased CFPB regulation could raise compliance costs for Affirm.

Affirm faces competition from new entrants in the BNPL market.

Reliance on partners like Adyen and Apple poses potential revenue risks.

Differentiation

Affirm offers transparent installment loans with no hidden fees or surprises.

Affirm partners with over 2,000 merchants, including major retail brands.

Affirm's user-friendly APIs enable seamless integration with online and in-store platforms.

Upsides

Affirm's partnership with Adyen expands its reach in North America.

Affirm's $4 billion partnership with Sixth Street boosts financial stability.

Affirm's BNPL services gain traction among high-income consumers.

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Principal Software Engineer, Architecture

Requirements

Responsibilities

Skills

Affirm

About Affirm

Benefits

Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses

Supportive communities: Get involved with our employee resource groups and community groups

Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country

Generous time off: Take the time you need when life happens

Health benefits: Get a plan that fits your needs

Mental healthcare: Take care of your mind with great mental health programs

Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.

Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.

Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.

Learning & development: Engage in exciting learning programs to level up your growth.

Risks

Increased CFPB regulation could raise compliance costs for Affirm.

Affirm faces competition from new entrants in the BNPL market.

Reliance on partners like Adyen and Apple poses potential revenue risks.

Differentiation

Affirm offers transparent installment loans with no hidden fees or surprises.

Affirm partners with over 2,000 merchants, including major retail brands.

Affirm's user-friendly APIs enable seamless integration with online and in-store platforms.

Upsides

Affirm's partnership with Adyen expands its reach in North America.

Affirm's $4 billion partnership with Sixth Street boosts financial stability.

Affirm's BNPL services gain traction among high-income consumers.

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