Affirm

Senior Software Engineer (Decisions and Pricing EU)

Spain

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Technology, Credit and PaymentsIndustries

Position Overview

  • Location Type: Remote
  • Employment Type: Full-time
  • Salary: Not specified

Description: 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. Decisions and Pricing’s mission is to deliver the best credit decisions for Affirm consumers while maintaining positive unit economics and being the highest converting and most competitive payment solution for our merchant partners. The decisioning system and ML models our team owns and operates help us realize our mission for millions of consumers and merchant partners.

Responsibilities

  • Own and deliver quarterly goals for your team.
  • Lead engineers on your team through ambiguity to solve open-ended problems.
  • Ensure everyone is supported throughout delivery.
  • Collaborate with product management, design, and analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
  • Proactively identify project, process, technology, or business issues, advocate for them, and lead in solving them.
  • Support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keeps the lights on” & on-call efforts.
  • 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.
  • Help develop talent on your team by providing feedback and guidance, and leading by example.
  • Build APIs and data models to work within micro-service and event-driven architectures.
  • Create parallelizable and idempotent batch jobs to process large amounts of data.
  • Improve the current platform’s extensibility, performance, and usability to support rapid global deployment, scaling, and expansion.

Requirements

  • Experience: 4+ years of experience designing, developing, and launching backend systems at scale using languages like Python and Kotlin/Java.
  • Technical Skills:
    • Track record of developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes.
    • Proficiency in object-oriented and dynamically typed languages.
  • Design & Architecture: Ability to synthesize complex business, product, and technical requirements to consistently produce high-quality system designs and software.
  • Prior Experience: Prior experience architecting, building, launching, and maintaining complex systems.
  • Coding Standards: Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple, and extensible design. Write high-quality code that is easily understood and used by others.
  • Change Management: Proficiency at making significant changes in a large code base, and have developed.

Application Instructions

  • Not specified. (Please refer to Affirm’s careers page for application instructions.)

Skills

API development
Data modeling
Microservices
Event-driven architecture
Batch processing
Performance optimization
Scalability
Code review
Design standards
Monitoring and metrics
Team leadership
Cross-functional collaboration
ML models
Data pipelines

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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