[Remote] Software Engineer II, Backend (Credit Eng EU) at Affirm

Spain

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, CreditIndustries

Requirements

1.5+ years of experience as a software engineer
Experience designing, developing, and launching backend systems; proficient in Python or Kotlin
Familiarity with building blocks of distributed systems and technologies like AWS, MySQL, and Kubernetes
Ability to take a simple problem or business scenario into a solution interacting with multiple software components, writing clear, easily understood, well-tested, and extensible code
Comfort navigating a large codebase, debugging others' code, and providing feedback through code reviews
Demonstrated ownership of personal growth, proactively seeking feedback from team, manager, and stakeholders
Strong verbal and written communication skills for effective collaboration with global engineering team
Based in Spain (remote Spain location); participation in on-call rotation required

Responsibilities

With support of team’s tech lead and manager, break down larger projects into tasks, deliver in phases, and collaborate for timely delivery
Support peers and stakeholders in product development lifecycle by collaborating with product management, design, and analytics; participate in ideation, articulate technical constraints, and partner on decisions considering risks and trade-offs
Support operations and availability of team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” and on-call efforts
Contribute to team community by engaging in growth and development activities, such as participation in the interview process

Skills

Key technologies and capabilities for this role

PythonKotlinAWSMySQLKubernetesBackend DevelopmentDistributed Systems

Questions & Answers

Common questions about this position

What is the compensation structure for this role?

Base Pay Grade is L and Equity Grade is Spain 3. Employees new to Affirm typically come in at the start of the pay range, based on factors like location, experience, and job-related skills, with total compensation including monthly stipends for health, wellness, and tech spending.

What benefits does Affirm offer?

Benefits include 100% subsidized medical coverage, dental, and vision for employees and their dependents, plus monthly stipends for health, wellness, and tech spending.

Is this a remote position, or is there a location requirement?

This information is not specified in the job description.

What skills and experience are required for this Software Engineer II role?

Candidates need 1.5+ years as a software engineer, proficiency in Python or Kotlin, experience with backend systems, and familiarity with AWS, MySQL, and Kubernetes. Additional requirements include writing clear, testable code, navigating large codebases, code reviews, ownership of growth, and strong communication skills.

What does the team environment look like at Affirm?

The role involves collaboration with a tech lead, manager, peers, product management, design, and analytics, contributing to community through growth activities like interviews, and participating in on-call rotation.

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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