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.

What you'll do

• You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
• You will 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.
• You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
• You 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.
• You will 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.
• You will help develop talent on your team by providing feedback and guidance, and leading by example.
• On-Call Rotation - There would be an on-call rotation for this role as a requirement.

What We Look For

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

## Total rewards

We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future.

In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits.

Base Pay Grade - N

308,000 zł - 428,000 zł

Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills.

In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm’s parent company grows, employees have the opportunity to share in that growth financially.

Equity Grade - 4 (awarded in US Dollars)

Affirm Holdings, Inc. Equity Grade example

Equity grade: 4

New hire equity: $32,000-$48,000

Annual Refresh: $10,000

Reward equity: $0-$150,000

Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month.

In addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include:

• Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge.
• Comprehensive private healthcare through Lux Med's Platinum package.
• A MultiSport card to support your health and well-being.
• Learning and development programs to help you grow professionally.
• Family healthcare support through Maven and parental leave support through Parentaly.
• Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members.
• Financial well-being support through Northstar, with unlimited access to Certified Financial Advisors and planning tools at no cost to you.
• Employee Resource Groups (ERGs) that foster connection and inclusion.
• Eligibility for creative tax benefits, subject to applicable law, role, and company policy.

Location - Remote Poland

The majority of our roles can be located anywhere in Poland.

**This job description is not a contractual document, and is not intended to have binding force.**

#LI-Remote

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 of our benefits package 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 allowing you to take time off to rest and recharge
• 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.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.