Senior Staff Software Engineer, Backend (Decisions and Pricing EU)

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.

Decisions and Pricing's mission is to deliver the best credit decisions for Affirm consumers while maintaining positive unit economics and being the highest converting and most competitive payment solution for our merchant partners. The decisioning system and ML models our team owns and operates help us realize our mission for millions of consumers and merchant partners.

The Decisions and Pricing Engineering team is at the forefront of reinventing credit, committed to providing our consumers with transparent and flexible payment options while ensuring our merchant partners receive the most competitive solutions available. Our mission is to deliver the best credit decisions through innovative machine learning models and robust decisioning systems that support millions of users across diverse platforms.
Decisions and Pricing Engineering Nexus  is a group based entirely in Europe with main focus on international markets. With Affirm experiencing rapid growth, your contributions will play a crucial role in supporting our ambitious goals. If you’re passionate about building impactful technology and mentoring future leaders while promoting an inclusive environment, we invite you to join us and help build Decisions and Pricing Engineering Nexus to redefine financial services grounded in honesty and trust.

What You'll Do

• Drive the evolution and architecture of Decisioning systems 

• Champion innovative, scalable, and delightful solutions across the organization

• Establish architecture, technical design, and code review standards, coach team members to conduct effective design and code reviews. Ensure high programming standards, create best practices, and lead by example.

• Partner with Product Management, provide technical input to shape product direction and roadmap.

• Foster a culture of technical excellence, humility, constant improvement, and rigor to build a team that can confidently tackle complex challenges across multiple technical domains.

• Be hands on. Build APIs and data models to work within micro-service and event-driven architectures. Create parallelizable and idempotent batch jobs to process large amounts of data.

• Take an active role in mentoring engineers and senior leaders, and  the processes that support team growth and efficiency.

• On-Call Rotation - There would be an on-call rotation for this role as a requirement.

What we look for

• 10+ years of experience as a software engineer

• Ability to synthesize complex business, product, and technical requirements to consistently produce high quality system designs and software.

• A strong understanding of distributed systems and how architectural decisions affect performance and maintainability.

• A strong understanding of machine learning and modeling techniques at scale

• Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication – written tech specs, wiki, project plans, etc.

• Excellent project management skills – high degree of organization and ability to surface critical information effectively.

• Business impact focus, pragmatic approach to delivering projects on time and safely.

• Passion for working with cross-functional teams including Product, Risk, Analytics etc.

• Python/Kotlin development experience is a plus.

• Experience with AWS and/or other cloud providers.

• Experience with Fintech or regulatory industries is a plus.

Compensation & Benefits

Base Pay Grade - R

Equity Grade - Spain 7

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: €117,000  -  €147,000    

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 leave
• 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

#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 the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.