Affirm

Software Engineer I

Spain

Not SpecifiedCompensation
Entry Level & New Grad, Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, E-commerceIndustries

Software Engineer, Search Platform

Position Overview

Affirm is revolutionizing credit by offering honest and friendly buy-now-pay-later solutions without hidden fees or compounding interest. The Search Platform team is developing the next generation of Affirm Marketplace Search, aiming to provide millions of consumers with highly relevant search results to discover the best financing options. This is a high-impact role on a team that utilizes cutting-edge technologies to build and maintain a highly available, scalable search platform. Your work will directly influence the user experience, driving business growth and innovation.

Responsibilities

  • Collaborate with cross-functional product, engineering, and data science teams to experiment, iterate, and optimize search relevance.
  • Solve complex technical challenges in information retrieval, ranking, embeddings, and large-scale distributed systems within a fast-paced, growth-oriented environment.
  • Contribute to team projects and goals with the support of your team.
  • Work collaboratively and proactively with your team and stakeholders, ensuring visibility and dialogue regarding risks and trade-offs.
  • Balance speed and quality in your work to achieve business goals while protecting system stability.
  • Foster a sense of community within your team through engagement in growth and development activities.
  • Participate in an on-call rotation as a requirement of the role.

Requirements

  • Previous work or internship experience in designing, developing, and launching backend systems at scale.
  • Experience with Python or Kotlin.
  • Familiarity with distributed systems building blocks and technologies such as AWS, MySQL, and Kubernetes.
  • Proven ability to translate simple problems or business scenarios into robust solutions that interact with multiple software components.
  • Proficiency in writing clear, easily understood, well-tested, and extensible code.
  • Comfort navigating large codebases, debugging others' code, and providing constructive feedback through code reviews.
  • Demonstrated ownership of personal growth, with a proactive approach to seeking feedback from team members, managers, and stakeholders.
  • Strong verbal and written communication skills to facilitate effective collaboration with a global engineering team.

Compensation & Benefits

  • Base Pay Grade: J
  • Equity Grade: 2
  • Base Pay Range (ESP): 55,000€ - 85,000€ per year
  • Compensation Structure: Affirm utilizes a transparent pay structure based on factors like location, experience, and skills. New employees typically start at the beginning of the pay range.
  • Total Compensation: Includes base pay, potential monthly stipends for health, wellness, and tech spending, and benefits.
  • Benefits:
    • 100% subsidized medical coverage for employees and dependents.
    • Dental and vision coverage for employees and dependents.
    • Eligibility for equity rewards from Affirm Holdings, Inc. (parent company).
    • Flexible Spending Wallets for tech, food, and lifestyle.
    • "Away Days" - wellness days for recharging.
    • Learning & Development programs.
    • Parental leave benefits.

Company Information

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. We foster a supportive and collaborative culture where engineers take ownership, challenge the status quo, and grow together. Join us in shaping the future of Affirm’s Marketplace!

Skills

Information Retrieval
Ranking
Embeddings
Distributed Systems
Machine Learning

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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