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.
We are reinventing credit cards entirely. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. You will be the lead engineer for our EU teams. You will be responsible for architecture across cards and relationships with our EU counterparts. You'll work across stacks and across the company, working both in just-in-time transaction processing that has to take place in milliseconds, along with our ledgering and reconciliation systems in post-transaction processing. This is some of the more difficult, exciting, experimental engineering work in Affirm. Join us and our team in Spain and Poland to help us revolutionize payments!
What you'll do· You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects.
· You will be the lead software engineer for all cards in the EU.
· You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed.
· You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes.
· 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 on your team by setting code review and design standards for your team, and advocating for them beyond your team through your 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.
· You have a total of 8+ years of experience as a software engineer.
· You are proficient in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes
· You are proficient in developing front end applications.
· You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others.
· You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work.
· Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers.
· You have strong verbal and written communication skills that support effective collaboration with our global engineering team.
Base Pay Grade - P
Equity Grade - 6
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: €103,000 - €139,000
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
We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.
Location - Remote Spain
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
- 8+ years of experience as a software engineer
- Proficiency with Python, Kotlin, AWS, MySQL, and Kubernetes
- Proficient in developing front-end applications
- Experience designing, developing, and launching backend systems at scale
- Experience with low-latency transaction processing and post-transaction ledgering/reconciliation systems
- Experience delivering major features or deprecating functionality via technical and execution plans
- Strong verbal and written communication and cross-functional collaboration skills
- Participation in on-call rotation and ownership of operations, monitoring, triage, and playbooks
- Must be based in Spain (role requires Spain-based candidate)
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Affordable Benefits — Zero-premium healthcare for employees and dependents is highlighted, with the benefits portal showing $0 payroll contributions and company-paid premiums for medical, dental, and vision in 2026. Transparent plan-cost displays further underscore the low out-of-pocket burden.
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Leave & Time Off Breadth — A wide mix is outlined, including Flexible Time Off for exempt employees, 20 accrued vacation days for non-exempt employees, Health Days, Bereavement, Life Happens leave, jury duty, and company-wide Away Days to reduce distractions. These programs collectively point to generous paid time provisions beyond standard PTO.
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Wellbeing & Lifestyle Benefits — No‑cost mental health support is offered via Lyra, and Forma-administered wallets provide substantial monthly stipends (e.g., Lifestyle and Tech) along with a S.A.F.E. family‑building wallet with a $20,000 lifetime maximum. This combination indicates strong support for everyday wellness and major life events.
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.
