Affirm is a leading financial technology company that provides transparent payment solutions, most notably its "buy now, pay later" (BNPL) service. Founded by PayPal co-founder Max Levchin, the company aims to provide an honest alternative to traditional credit cards by offering fixed-payment loans with no hidden fees. Affirm is a publicly traded company (NASDAQ: AFRM) with a global workforce of several thousand employees, serving millions of consumers and thousands of merchant partners across North America and Europe. In Spain, Affirm has established a major engineering and product hub, largely centered in Madrid following its acquisition of the returns management platform Returnly. The company offers a remote-first work model in Spain, making it highly attractive for international professionals seeking flexibility. As an English-first organization with a diverse global team, Affirm provides a seamless environment for non-Spanish speakers and focuses heavily on high-scale backend engineering, machine learning, and product innovation.

Founded in 2012 by Max Levchin and a group of co-founders, Affirm was created to build a more transparent financial system. The company went public on the NASDAQ in 2021 and expanded its European footprint through the acquisition of Returnly, which had a significant engineering base in Madrid.

Software Engineer I, Backend (Servicing Platforms)

Affirm

Original Advert

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 Bankruptcies & Hardships team (B&H) is a newly formed engineering group responsible for building Affirm's core servicing platforms that support customers during critical financial moments. The team owns backend services and pipelines that orchestrate bankruptcy workflows and power compliant, reliable hardship support at scale.

Engineers on this team work on distributed systems, event-driven pipelines, and high-availability services with a strong emphasis on correctness, auditability, and operational excellence. You'll collaborate closely with product, compliance, and other platform teams while helping shape foundational systems in a greenfield environment. This is a high-impact opportunity to apply deep backend expertise in Python and Kotlin to systems that matter to both customers and the business.

What You'll Do

- With the support of your team, you will work on tasks that contribute to the team's projects and goals.
- You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work.
- You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime.
- On-Call Rotation - There would be an on-call rotation for this role as a requirement
- You will contribute to a sense of community on your team by engaging in growth and development activities.

What We Look For

- You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using one of Python, Kotlin or Java.
- 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.

Compensation and Benefits

Base Pay Grade - J

Equity Grade - Spain 2

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: €55,000 - €85,000

Additional benefits include:

Type of employment: Contract of Employment
Flexible Spending Wallets for tech, food and lifestyle
Away Days - wellness days to take off work and recharge
Learning & Development programs
Parental benefits
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.