Senior Software Engineer, Backend (Repayment UX Engineering)

Affirm Holdings, Inc.

Job Overview

Location

Los Angeles, Poland

Job Type

Full-time

Full Job Description

📋 Description

• Join Affirm, a leader in revolutionizing credit with honest and friendly payment solutions, as a Senior Software Engineer on the Repayments UX Engineering team. This is a unique opportunity to shape the future of how consumers manage and repay their loans, contributing directly to our mission of making credit accessible and transparent.
• As a key member of the Repayments Nexus, a European-based group responsible for the end-to-end consumer repayment experience, you will play a pivotal role in building the tools and systems that empower our customers. This includes everything from the intuitive “Manage” tab in our Affirm mobile app to sophisticated Collections and Recoveries processes.
• We are seeking a highly motivated and experienced engineer to drive the development of robust, scalable, and efficient solutions that will enable Affirm to expand its repayments operations internationally. Your work will directly impact our ability to maintain a healthy loan portfolio and assist customers in making timely payments, while also supporting those who may encounter delays.
• You will be instrumental in partnering closely with our Product Management, Design, and Analytics teams. This collaboration will involve active participation in ideation sessions, clearly articulating technical constraints and possibilities, and contributing to critical decisions that carefully weigh risks and trade-offs to ensure optimal outcomes.
• A core aspect of this role involves owning and delivering quarterly goals for your team. You will lead and mentor other engineers, guiding them through complex and ambiguous challenges, and ensuring a supportive environment for successful project delivery.
• Proactively identify and champion solutions for project, process, technology, or business issues that arise. You will take ownership of these challenges, leading the charge to resolve them and drive continuous improvement across the team and the wider organization.
• You will be responsible for the operational health and availability of your team’s systems. This includes creating and meticulously monitoring key metrics, escalating issues as needed, and actively participating in “keep the lights on” efforts and on-call rotations to ensure seamless service delivery.
• Foster a culture of high quality and strong ownership within your team. This involves setting and refining code review and design standards, and advocating for these best practices beyond your immediate team through written documentation and technical presentations.
• Contribute to the growth and development of your team members by providing constructive feedback, mentorship, and guidance. Lead by example, demonstrating technical excellence and a commitment to Affirm's values.
• Design, develop, and launch backend systems that operate at scale, leveraging modern technologies and best practices. You will contribute to the core infrastructure that powers Affirm's innovative repayment solutions.
• Implement and optimize batch processing workflows, ensuring efficiency and reliability in handling large volumes of repayment data. This includes working with technologies that manage and process financial transactions accurately and securely.
• Collaborate with cross-functional teams to define technical roadmaps and architectural designs for significant features and system components. Focus on creating elegant, simple, and extensible solutions that are maintainable and adaptable to future needs.
• Write high-quality, well-documented, and easily understandable code that promotes collaboration and reduces technical debt. Your contributions will be crucial in maintaining and enhancing our complex codebase.
• Safely navigate and implement significant changes within a large, established codebase. Develop and champion tools and practices that empower you and your team to make these changes with confidence and minimal risk.
• Embrace a growth mindset, taking ownership of your professional development. Proactively seek and incorporate feedback from your peers, manager, and stakeholders to continuously improve your skills and contributions.
• Communicate effectively through both verbal and written channels, fostering strong collaboration within our global engineering team and with other departments.
• Contribute to the ongoing evolution of our repayment systems, ensuring they are scalable, reliable, and meet the needs of our growing customer base and international expansion efforts.
• You will be a key player in ensuring the integrity and security of financial transactions processed through our repayment systems, adhering to strict compliance and regulatory standards.
• This role offers the chance to work with cutting-edge technologies in a fast-paced, innovative environment, making a tangible impact on a product used by millions of customers worldwide.

🎯 Requirements

• 4+ years of experience designing, developing, and launching backend systems at scale using languages like Python or Kotlin.
• Proven track record of developing highly available distributed systems using technologies such as AWS, MySQL, and Kubernetes.
• Fluency in backend development and batch processing using technologies like Airflow, Spark, Data Lake, and Snowflake.
• Experience defining technical plans for significant feature delivery, demonstrating elegant, simple, and extensible design principles.

🏖️ Benefits

• 100% subsidized medical, dental, and vision coverage for you and your dependents.
• Flexible Spending Wallets for tech, food, and lifestyle expenses.
• Away Days - wellness days to take off work and recharge.
• Learning & Development programs.
• Parental benefit.
• Employee Resource & Community Groups.

Skills & Technologies

Python

Kotlin

MySQL

AWS

Kubernetes

Backend

Senior

Remote

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Affirm Holdings, Inc.

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About Affirm Holdings, Inc.

Affirm Holdings operates a point-of-sale consumer lending platform that integrates with online and in-store checkout systems. Through its technology, shoppers can split purchases into fixed, transparent installment payments, while merchants gain conversion and larger order values. The company underwrites and services loans in the United States and Canada using alternative credit models and data partnerships with banks, avoiding deferred-interest structures. It earns revenue from merchant fees and interest on loans, and offers a mobile app for consumers to manage repayment schedules and access additional credit lines.

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