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.

Our group is seeking a key leader to join our team and help build the Decisions and Pricing Engineering area in Europe. Our 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.

This role requires a high level of technical ability, leadership skills, strong cross-functional communication, and a creative mindset. You will be responsible for building large-scale distributed systems, driving ML innovation, and developing the overall technology strategy for the group.

Affirm is experiencing explosive growth with millions of customers across thousands of merchants in-store and online, and your contributions will be a key enabler of that growth. Come join us as we build a beloved, lasting financial services brand predicated on honesty and trust. It’s going to be an amazing ride!

What You'll Do

Work with product managers and tech leads to develop features to support product and commercial initiatives.
Consistently generate simple and sophisticated designs, and write high-quality code that can be easily understood and used by others.
Build relationships with people across engineering and other organizations for the design, implementation, roll-out and maintenance of projects.
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.
Improve the current platform's extensibility, performance and usability to support rapid global deployment, scaling and expansion.
Actively participate in making your team and workplace an inclusive environment for people from all backgrounds.
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

6+ years proven experience as a software engineer
Proficiency in Python or Kotlin/Java is a must. Proficiency in object-oriented and dynamically typed languages.
Ability to synthesize complex business, product, and technical requirements to consistently produce high quality system designs and software
Ability to collaborate with your team in a fast-paced environment
Excellent communication skills, both written and verbal. Must be proficient in asynchronous mode of communication–written tech specs, wiki, project plans, etc.
Prior experience architecting, building, launching and maintaining complex systems

Compensation & Benefits

Base Pay Grade - N

Equity Grade - Spain 4

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: €85,000 - €115,000

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

Location - Remote Spain

We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.

#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.

Senior Software Engineer (Decisions and Pricing Engineering)

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