Staff Software Engineer, Backend (Card)

About Affirm

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.

Total Rewards

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: 365,000 zł - 485,000 zł.
• Equity: Eligible to receive equity from the parent company each year. New hire equity: $48,000-$72,000; Annual Refresh: $15,000; Reward equity: $0-$225,000.
• Stipends: Monthly stipends for health, wellness and tech spending, reimbursable up to 1390 zł per month.
• Benefits:
  • 100% subsidized medical coverage, dental and vision for you and your dependents.
  • Comprehensive private healthcare through Lux Med's Platinum package.
  • Competitive paid time off, paid public holidays, and additional paid Away Days.
  • A MultiSport card to support your health and well-being.
  • Learning and development programs.
  • Family healthcare support through Maven and parental leave support through Parentaly.
  • Mental well-being support through Lyra (up to 12 confidential counseling or coaching sessions each year).
  • Financial well-being support through Northstar with unlimited access to Certified Financial Advisors.
  • Employee Resource Groups (ERGs).
  • Employee stock purchase plan (ESPP).
• Work Environment: Remote-first company. Most roles can be done from almost anywhere within Poland.

What We Look For

• 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.