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
Role overview
Job description
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. Identity at Affirm is mission-critical; it is the very first step of the customer journey and the foundation of global expansion. The International Expansion Unit (IEU) owns Identity for every market outside North America, placing our team at the center of Affirm’s global strategy. We are responsible for ensuring Affirm can enter and scale in new markets while operating compliantly across diverse regulatory environments. Our scope includes building and expanding Identity Data Management, KYC Verification, and Decisioning capabilities, while driving architectural changes that impact Identity services globally. We don’t just execute; we influence the core platform’s evolution to support new risk models and market
…What they are looking for
Skills & requirements
Qualification
What We Look For · You have 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin; For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law
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Hiring company
Affirm
At Affirm, we believe that the financial industry works better for everyone when it’s fair, honest, and inclusive. We help people pay over time for almost anything—with no late fees or surprises. Through advanced technology and analytics that look beyond FICO, we’re able to serve a much broader population than other lenders.
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