Senior Software Engineer, Backend (Repayment UX Engineering)

Affirm Holdings, Inc.

Job Overview

Location

Spain

Job Type

Full-time

Full Job Description

📋 Description

• Join Affirm, a leader in reinventing credit with a focus on honesty and transparency, offering consumers flexible buy-now-pay-later options without hidden fees or compounding interest.
• We are seeking a highly motivated Senior Software Engineer to join the Repayments Nexus team, a European-based group dedicated to building and enhancing the end-to-end consumer repayment experience.
• This role is pivotal in developing the tools and systems that empower our customers to manage their loan repayments conveniently, from the 'Manage' tab in our mobile app to more complex Collections and Recoveries scenarios.
• You will play a critical role in enabling the efficient international growth of Affirm's Repayments area, collaborating closely with Product and Analytics teams.
• Your work will involve designing robust repayment and collections systems that are crucial for maintaining a healthy loan portfolio and assisting customers in making timely payments, as well as recovering from any delays.
• As a Senior Software Engineer, you will be entrusted with owning and delivering quarterly goals for your team, demonstrating leadership by guiding engineers through complex, ambiguous challenges and ensuring their support throughout the delivery process.
• You will actively contribute to the product development lifecycle by partnering with Product Management, Design, and Analytics teams, participating in ideation sessions, clearly articulating technical constraints, and making informed decisions that carefully consider risks and trade-offs.
• A key aspect of this role involves proactively identifying potential project, process, technology, or business issues, advocating for their resolution, and leading the charge in solving them.
• You will be responsible for supporting the operational health and availability of your team’s software artifacts by creating and meticulously monitoring key metrics, escalating issues when necessary, and actively participating in 'keep the lights on' efforts and on-call rotations.
• Fostering a culture of high quality and strong ownership within your team is paramount; you will achieve this by setting and continuously improving code review and design standards, and by championing these standards beyond your immediate team through written documentation and technical presentations.
• You will contribute to the growth and development of your team members by providing constructive feedback, mentorship, and leading by example, cultivating an environment of continuous learning and improvement.
• This role requires participation in an on-call rotation, ensuring the stability and reliability of our repayment systems.
• You will be instrumental in designing, developing, and launching scalable backend systems, leveraging languages such as Python or Kotlin to build solutions that directly impact millions of users.
• Your expertise will be applied to developing highly available distributed systems, utilizing cloud technologies like AWS, robust database solutions like MySQL, and container orchestration platforms such as Kubernetes.
• You will dive deep into backend development and batch processing, utilizing technologies like Airflow, Spark, Data Lake, and Snowflake to create efficient and powerful data pipelines.
• A significant part of your contribution will involve defining technical strategies for delivering major features or system components, ensuring designs are elegant, simple, and extensible.
• You will write high-quality, maintainable code that is easily understood and utilized by your peers, promoting best practices across the engineering organization.
• You will gain experience making substantial changes within a large, complex codebase, developing and implementing a suite of tools and practices that enable safe and efficient modifications for yourself and your team.
• Your proactive approach to seeking feedback from your team, manager, and stakeholders will demonstrate a strong sense of ownership over your professional growth and development.
• You will utilize your strong verbal and written communication skills to foster effective collaboration within our global engineering team, ensuring alignment and shared understanding across different time zones and cultures.
• This is an opportunity to make a tangible impact on Affirm's mission by building the foundational systems that ensure our customers can manage their financial commitments smoothly and reliably, contributing directly to the company's growth and customer trust.
• You will be at the forefront of innovation in the fintech space, working on challenging problems that require creative solutions and a deep understanding of distributed systems and financial services.
• The Repayments Nexus team offers a unique environment to own critical user-facing features and backend services, providing significant visibility and impact within the organization.
• You will be part of a diverse and inclusive team, working remotely from Spain, with opportunities to collaborate with talented engineers across Europe and the US.
• This role is ideal for an engineer who thrives in a fast-paced, dynamic environment and is passionate about building scalable, reliable, and user-centric financial products.

🎯 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, with a focus on elegant, simple, and extensible design, and writing high-quality, maintainable code.
• Proficiency in making significant changes in large codebases and developing tools/practices for safe modifications.
• Strong verbal and written communication skills for effective collaboration within a global engineering team.

🏖️ Benefits

• Competitive base salary range: €85,000 - €115,000 per year.
• Equity rewards offered by Affirm Holdings, Inc. (parent company).
• Flexible Spending Wallets for technology, food, and lifestyle expenses.
• Away Days: wellness days to take off work and recharge.
• Learning & Development programs to support professional growth.
• Comprehensive health coverage, including 100% subsidized medical, dental, and vision for employees and their dependents.
• Parental benefit.
• Employee Resource & Community Groups.
• Opportunity to work remotely from Spain with visa sponsorship available.
• Employee Stock Purchase Plan (ESPP) enabling discounted share purchases.

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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