Affirm

Software Engineer II (Furnishing Platform)

Spain

Not SpecifiedCompensation
Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial ServicesIndustries

Software Engineer, Furnishing Platform

Employment Type: [Not Specified] Location Type: Remote Spain Salary: €71,000 - €101,000 per year

Position Overview

Affirm is revolutionizing credit to be more honest and accessible, allowing consumers to buy now and pay later without hidden fees or compounding interest. We are seeking a highly motivated Software Engineer to join our Furnishing Platform team. In this role, you will build scalable systems and data pipelines crucial for our consumer credit reporting. You will collaborate closely with Product, Compliance, Servicing, and Credit teams to design robust reporting systems that deliver accurate and timely data from Affirm’s financial product portfolio to Consumer Reporting Agencies. Join us as we scale our products and build a trusted financial services brand.

Responsibilities

  • Collaborate with teammates on the Furnishing Platform team (Product Manager, Engineering Manager, Tech Leads, fellow engineers) to deliver on our roadmap.
  • Design, build, and maintain robust and scalable data pipelines using Apache Spark, SQL, and Airflow.
  • Produce simple, elegant, and maintainable designs, writing high-quality, easy-to-understand code.
  • Work cross-functionally with engineering and partner teams to support the design, implementation, rollout, and maintenance of key initiatives.
  • Actively participate in code reviews, technical design discussions, and Scrum ceremonies.
  • Contribute to platform-level improvements in orchestration, testing, observability, and system health.
  • Participate in an on-call rotation.

Requirements

  • 3+ years of experience as a software engineer.
  • Proven ability to design solutions that span multiple software components based on business scenarios or engineering problems.
  • Strong focus on writing readable, well-tested, and extensible code.
  • Comfortable navigating large codebases, debugging unfamiliar code, and providing constructive code review feedback.
  • Proficiency in Python, with hands-on experience using Spark and Airflow.
  • Solid understanding of SQL, data modeling, ETL best practices, and data quality standards.

Nice to Have

  • Experience with Kotlin or Java.
  • Background in FinTech or other regulated environments.
  • Experience with cloud platforms such as AWS or GCP/Azure.
  • Interest in developer tooling, data validation, or CI/CD for data systems.

Compensation & Benefits

  • Base Pay Grade: L
  • Equity Grade: Spain 3
  • Base Pay Range (per year): €71,000 - €101,000
  • Total Compensation Package: May include monthly stipends for health, wellness, and tech spending.
  • Benefits:
    • 100% subsidized medical coverage for employees and dependents.
    • Dental and vision coverage for employees and dependents.
    • Potential for equity rewards from Affirm Holdings, Inc. (parent company).
    • Flexible Spending Wallets for tech, food, and lifestyle.
    • Away Days (wellness days).
    • Learning & Development programs.
    • Parental benefits.
    • Employee Resource & Community Groups.

Location

  • Remote Spain: Candidates must be based in Spain.
  • Visa sponsorship is available for this role.

Affirm is a remote-first company, allowing employees to work from almost anywhere within the country of employment.

#LI-Remote

Skills

Apache Spark
SQL
Airflow
Data Pipelines
Scalable Systems
Code Reviews
Technical Design
Scrum
Orchestration
Testing
Observability
System Health

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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