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 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.
The Repayments Nexus is looking for a Software Engineer to join our Repayments International team to help build the tools and systems to allow our customers to repay their loans in the most convenient way possible. The Repayments Nexus is a group entirely based in Europe, owning the end-to-end repayments consumer experience, from the “Manage” tab in our Affirm mobile app to Collections and Recoveries.
We are looking for a highly motivated Software Engineer to build the solutions that will allow us to efficiently grow the Repayments area internationally. You will partner closely with our Product and Analytics teams to design and implement robust repayments and collections solutions which will enable us to keep our loans portfolio healthy and help our customers pay on time and recover from any delays.
What You'll Do
- With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
- You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
- You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
- You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.
What We Look For
- You have a total of 1.5+ years of experience as a software engineer.
- You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin.
- You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes.
- You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
- You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
- 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.
Base Pay Grade - L
Equity Grade - Spain 3
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).
ESP base pay range per year: €71,000 - €101,000
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 benefit
- Employee Resource & Community Groups
Location - Remote Spain
We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.
#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.
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Healthcare coverage includes $0 employee premiums for medical, dental, and vision across all tiers, alongside company‑paid life, AD&D, and disability coverage. Mental‑health access via Spring Health provides no‑cost sessions and guided care navigation for employees and eligible family members.
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Leave & Time Off Breadth — Time away spans Flexible Time Off for exempt staff, ~20 accrued vacation days for non‑exempt, 10 Health Days, up to 15 Life Happens days, bereavement up to 10 days, and scheduled company‑wide Away Days. These layers create frequent, structured opportunities to disconnect beyond standard PTO.
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Parental & Family Support — Paid parental leave provides 18 weeks for birth and non‑birth parents with return‑to‑work transition support. Family‑building benefits include Maven support and a one‑time $20,000 S.A.F.E. wallet for surrogacy, adoption, fertility, and egg freezing.
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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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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.
