Affirm

Senior Software Engineer, Backend (Settlement Engineering)

Spain

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, Financial ServicesIndustries

Requirements

Candidates should have 5+ years of experience designing, developing, and launching backend systems at scale using Kotlin or Java. A track record of developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes is required. Familiarity with CI/CD practices, safe production deployments, proficiency in SQL, and experience working with data-rich environments are necessary. Experience defining technical plans for significant feature delivery with elegant, simple, and extensible designs is also expected. Strong verbal and written communication skills are needed for effective global collaboration. Experience with Snowflake, dbt, Airflow, or Chronosphere, and a background in payment systems and banking industry standards are considered nice to have.

Responsibilities

The Senior Software Engineer will be responsible for owning and delivering quarterly goals, leading engineers through ambiguity to solve open-ended problems, and supporting team members. They will collaborate with product management, design, and analytics to articulate technical constraints and make informed decisions. Proactively identifying and solving project, process, technology, or business issues is expected. The role involves supporting the operations and availability of team artifacts through metrics monitoring, escalations, and on-call efforts. Fostering a culture of quality and ownership by setting and improving code review and design standards, and advocating for them beyond the team is also a key responsibility. Developing talent through feedback, guidance, and leading by example is required. Participation in an on-call rotation is mandatory.

Skills

backend development
settlement systems
financial systems
product development lifecycle
metrics
on-call rotation
code review
design standards
technical leadership
problem-solving

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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