Senior Software Engineer, Affirm
Back-end, Fraud
€85-115k
+ ESPP
More information about location
Buy-now-pay-later card for online and in-store
Job no longer available
Buy-now-pay-later card for online and in-store
1001+ employees
Job no longer available
€85-115k
+ ESPP
More information about location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- 5+ years of experience building backend systems at scale using Python or Kotlin
- Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes
- Strong system design skills and a track record of delivering maintainable, extensible services
- Proficiency in SQL and working with data-rich environments
- Familiarity with CI/CD practices and safe production deployments
- Strong written and verbal communication skills, especially in distributed teams
- A proactive, ownership-driven mindset with a focus on learning and team success
- Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have)
- Background in fraud prevention, risk systems, or post-transaction tooling. (nice to have)
- Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints. (nice to have)
What the job involves
- We’re looking for a Senior Software Engineer to join our fully remote team based in Europe
- You’ll collaborate closely with stakeholders across North America—including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams
- You will be responsible for owning and delivering quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery
- You will design and implement backend services and APIs using Python or Kotlin, operating within Affirm’s microservice and event-driven architecture
- You will take an active role in shaping the team’s roadmap, collaborating on technical design, and driving execution across projects that span multiple teams
- You will partner with the Engineering Manager and your teammates to elevate quality standards, evolve engineering processes, and represent the team in cross-functional initiatives
- You will collaborate cross-functionally with stakeholders in Fraud Ops, Compliance, Product, Machine Learning, and Analytics to build scalable fraud tooling and infrastructure
- You will proactively identify opportunities to improve system reliability, team efficiency, or architecture—and lead efforts to address them
- You will contribute to operational excellence by maintaining high observability standards, responding to incidents, and participating in the on-call rotation
- You will foster a culture of ownership, inclusion, and craftsmanship by mentoring teammates, providing feedback, and upholding high code and design standards
- On-Call Rotation - There would be an on-call rotation for this role as a requirement
Our take
Affirm offers point-of-sale loans to consumers, working with merchants like Shopify, KAYAK, and Walmart. Buy now, pay later transactions have grown in popularity in recent years, and this business is tapping into the market with a totally different approach to credit - by delivering the Affirm card, the first US debit card with the option to pay-over-time.
Serving over 21 million consumers and over 300,000 merchants, the company offers flexible payback options ranging from 3 to 36 months. The interest rates run between 0% and 30%, so, while they are not necessarily the cheapest option, Affirm prides itself on having no fees for late payments, no hidden charges, and total transparency about what people will pay before they take out a loan.
Affirm collects payments from the customers and pays the merchants directly, shouldering the risk itself. The company has boosted its market share, expanding its availability beyond the US to include most of Canada, and continues to launch new features and create new partnerships towards bettering its offering.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
-11% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Sep 2020
$500m
SERIES G
Apr 2019
$300m
SERIES F
Total funding: $1.1bn
Company benefits
- Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- 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
- Away Days: We offer 20 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
Company HQ
Chinatown, San Francisco, CA
Leadership
Max Levchin
(Co-Founder & CEO)Has founded/co-founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. Also worked at large brands including Google, Yelp, Yahoo, and Evernote.
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