At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.
The Card team is responsible for the Card products at Affirm. Our central focus is developing high quality, seamless, scalable and flexible platforms that enable users to get transparent, honest financing for their purchases anywhere with Affirm’s card products.
As a Software Engineer on the Card Checkout team, you will play a critical role in the development and implementation of complex software systems that allow for a seamless checkout experience for our users.We're looking for a highly motivated Software Engineer to join the Card engineering team within the Direct to Consumer organization. Our team focuses on the in-app experience of Affirm Card products. We are a full-stack team of backend and mobile engineers partnering closely with product, design, and analytics to build scalable systems and experiences that power our Card products.
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 2+ 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 technologies like AWS, MySQL and Kubernetes.
- You write high quality code that is easily understood and used by others.
- You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
- 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.
- 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.
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
259,000 zł - 379,000 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.
Affirm Holdings, Inc. Equity Grade
Equity grade: 3 (awarded in US Dollars)
New hire equity: $24,000 - $36,000 USD
Annual Refresh: $7,500
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
Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.
Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:
- Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
- Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
- Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
- Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.
We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.
For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.
Skills Required
- 2+ years of experience as a software engineer
- Experience designing, developing, and launching backend systems
- Proficiency in Python or Kotlin
- Familiarity with distributed systems
- Familiarity with AWS, MySQL, and Kubernetes
- Ability to write high-quality, understandable, tested, and extensible code
- Ability to navigate large codebases, debug code, and provide code review feedback
- Strong verbal and written communication skills
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Health insurance is described as comprehensive, with fully paid medical, dental, and vision premiums and low copays in some plans. Mental-health programs are explicitly included as part of the global benefits offering.
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Parental & Family Support — Parental leave is presented as 18 weeks for birth and non-birth parents with a 4-week full-pay return-to-work transition. Family-forming support such as fertility, egg freezing, adoption assistance, and a dedicated spending wallet is also offered.
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Leave & Time Off Breadth — Time off includes flexible or unlimited PTO and sick time for many roles. The package also features 20 company-wide paid Away Days that add collective rest to the standard leave mix.
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.
