Remote
Spain
€73K–€109K EUR
💻Engineering
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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 Collections team, as part of the Repayments area, is on a mission to build a robust platform that will maximize the recovery of delinquent users by sending the right message to the right people at the right time, while monitoring and detecting problems and ensuring high reliability of the engineering systems. Collaborating closely with our product managers, backbook risk teams and other engineering teams , you will effectively manage loans throughout the delinquency phase of their lifecycle and develop and implement recovery strategies.
We are looking for a highly motivated software engineer to build the next generation platform solutions that will allow us to manage our constantly growing volume while maintaining high availability and reliability of the systems. You will work closely with your team mates in the Collections team and Product to build robust 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 2.5+ 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 - 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).
POL base pay range per year: 259,000 - 379,000 zł
Additional benefits include:
This role is eligible for creative tax benefits, subject to applicable law and company policy
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.**
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:
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.
Health Insurance
Dental Insurance
Vision Insurance
Mental Health Benefits
Flexible Spending Account (FSA)
Life Insurance
Disability Insurance
Pet Insurance
Gender Affirming Care
Fitness Stipend
Wellness Programs
Employee Assistance Program
401(k) / Retirement Plan
401(k) Match
Equity / RSUs
Employee Stock Purchase Plan
Performance Bonus
Parental Leave
Adoption Leave
Fertility Benefits
Childcare Support
Caregiver Policy
Learning & Development Budget
Mentorship Program
Conference Attendance
Defined Career Pathways
Affirm's job board currently lists remote roles in the United States, Canada, Poland, Spain, and the United Kingdom, with Canadian hiring excluding Quebec. Remote employees can live almost anywhere within their country of employment.
Yes. Affirm maintains dedicated offices in Chicago, New York City, San Francisco, and Toronto, plus shared workspaces in Seattle, Warsaw, Madrid, and London, all available on a voluntary basis for remote employees. The company also brings teams together in person through offsites, gatherings, and collaborative working sessions.
Affirm covers 100 percent of medical premiums at every plan level for employees and their dependents, and backs that with dedicated mental health programs. Birth and non-birth parents both get 18 weeks of paid leave followed by a 4-week return-to-work transition at full base pay, and an employee stock purchase plan lets you buy Affirm shares at a discount.
Applications run through Greenhouse, and Affirm is unusually open about how it screens: AI-powered tools may help compare your resume against role requirements, but the company states that all hiring decisions are made by humans and no candidate is automatically rejected by an AI system. Candidates can request accommodations or an alternative selection process by contacting the recruiting team.
Affirm calls its people Affirmers and looks for candidates who are motivated rather than intimidated by complex problems in consumer finance. The stated values favor transparency and accountability, summed up in principles like people come first, no fine print, and it's on us.
Profit Sharing
Pay Transparency
Relocation Assistance
Commuter Benefits
PTO / Vacation
Paid Holidays
Company Shutdown Days
Sick Days
Bereavement Leave
Flexible Schedule
Volunteer Time Off
Home Office Stipend
Meal Stipend
Company Offsites / Retreats
Employee Resource Groups
Employee Recognition Awards
Team Events & Social Budget
Charity Matching
