Senior Software Engineer, Backend (Card Acquisition)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm is seeking a Senior Software Engineer to join the Card Acquisition team within the Consumer org. The team plays a critical role in shaping the first experience customers have with Affirm—building trust, clarity, and value from the very first interaction. As a Senior Engineer, you will be responsible for defining long-term technical strategy, mentoring senior engineers, and acting as a force multiplier through your technical depth, operational excellence, and ability to navigate ambiguity. You'll work at the intersection of product, design, and engineering to build polished, performant, and accessible user experiences that directly impact conversion, retention, and business growth.

• Own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• Support peers and stakeholders in the product development lifecycle by collaborating with product management, design, and analytics, participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
• Proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• Take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
• Foster a culture of quality and ownership by setting or improving code review and design standards for your team, and advocating for them beyond your team through writing and tech talks.
• Help develop talent on your team by providing feedback and guidance, and leading by example.
• Participate in an on-call rotation as a requirement.

• 4+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin.
• Track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes.
• Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design.
• Ability to write high quality code that is easily understood and used by others.
• Proficiency at making significant changes in a large code base, and developing a suite of tools and practices that enable you and your team to do so safely.
• Demonstrated ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.
• Equivalent practical experience or a Bachelor’s degree in a related field.

Base Pay Grade - N, Equity Grade - 4. Employees new to Affirm typically come in at the start of the pay range. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

ESP base pay range per year: €86,000 - €122,000

Additional benefits include: Flexible Spending Wallets for tech, food and lifestyle, Away Days - wellness days to take off work and recharge, Learning & Development programs, Parental benefits, Employee Resource & Community Groups.

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights include: Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents; Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses; Time off - competitive vacation and holiday schedules; ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount.

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

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