[Remote] Senior Software Engineer, Back-end (Fraud) at Affirm

Spain

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial Services, E-commerceIndustries

Requirements

Candidates should have 5+ years of experience building backend systems at scale using Python or Kotlin. Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes is required. Strong system design skills, proficiency in SQL, familiarity with CI/CD practices, and strong communication skills are also necessary. A proactive, ownership-driven mindset is essential, and participation in an on-call rotation is a requirement. Experience with Snowflake, dbt, Airflow, or Chronosphere, as well as background in fraud prevention or fintech, are considered nice-to-haves.

Responsibilities

The Senior Software Engineer will own and deliver quarterly goals, leading engineers through ambiguity and solving open-ended problems. They will design and implement backend services and APIs using Python or Kotlin within a microservice and event-driven architecture. Responsibilities include shaping the team's roadmap, collaborating on technical design, and driving project execution. The engineer will partner with management to elevate quality standards and evolve engineering processes. They will collaborate cross-functionally with stakeholders to build scalable fraud tooling and infrastructure, proactively identify system improvements, and contribute to operational excellence through observability, incident response, and an on-call rotation. Fostering a culture of ownership, inclusion, and craftsmanship through mentoring and upholding high standards is also key.

Skills

Python

Kotlin

Backend Services

APIs

Microservices

Event-driven architecture

System Reliability

Engineering Processes

Fraud Detection

Risk Evaluation

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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