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 DoYou 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.
Compensation & BenefitsBase Pay Grade - N
Equity Grade - 4
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.
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, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
POL base pay range per year: 308,000 zł - 428,000 zł
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
This role is eligible for creative tax benefits, subject to applicable law 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.
Skills Required
- 4+ years designing, developing, and launching backend systems at scale using Python or Kotlin
- Experience building highly available distributed systems with AWS, MySQL, and Kubernetes
- Experience defining technical plans and designing elegant, extensible system components
- Proficiency making significant changes in large codebases and using tools/practices for safe deployment
- On-call rotation and ownership of operations, monitoring, triage, and playbooks
- Experience mentoring and developing engineers and providing technical leadership
- Strong verbal and written communication skills for global collaboration
- Bachelor's degree in a related field or equivalent practical experience
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Healthcare coverage is described as comprehensive with medical, dental, vision, robust mental health support, and $0‑premium plan options in some cases. Inclusive offerings such as abortion travel and transgender healthcare further reinforce breadth of care.
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Parental & Family Support — Paid parental leave of 18 weeks for both birth and non‑birth parents, plus a four‑week return‑to‑work transition, is prominently featured. Family‑forming support includes fertility and adoption assistance alongside a $20,000 wallet for surrogacy, adoption, fertility treatments, and egg freezing.
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Leave & Time Off Breadth — Time off is presented as generous, with flexible PTO, Health Days, and “Life Happens Leave,” plus company‑wide Away Days. Paid holidays were expanded substantially to ensure regular three‑day weekends and collective recharge periods.
Affirm Insights
What We Do
At Affirm, we help people say yes to the things that matter with flexible, transparent ways to pay over time. No hidden fees, no compound interest, and no fine print—just a smarter way to spend.
Why Work With Us
Who is an Affirmer? /noun/ Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
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Affirm Offices
Remote Workspace
Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
