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 Repayments Nexus is looking for a Senior Staff Software Engineer to help build the tools and systems to allow our customers to repay their loans in the most convenient way possible. The Repayments Nexus is a group entirely based in Europe, owning the end-to-end repayments consumer experience, from the “Manage” tab in our Affirm mobile app to Collections and Recoveries. The group also owns the Comms Platform to create and send transactional communications to borrowers and merchants.

This role requires a high level of technical capability, leadership skills, strong cross-functional communication and a creative mindset.

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

Drive the evolution of our Repayments platform with a focus on extensibility, robustness and performance.
Draft, review and refine technical specification documents. Participate in architectural reviews and closely collaborate with other tech leads in the Direct-To-Consumer department.
Help create the engineering strategy for the Repayments Nexus group based on the broader engineering strategy and informed by the Repayments product strategy. Define the technical roadmap for the Repayments Nexus group.
Partner cross-functionally with product and business teams to understand requirements and translate them into scalable and robust solutions.
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 the processes that support team growth and efficiency.

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.
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.

Compensation & Benefits

Base Pay Grade - R

Equity Grade - UK 9

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).

GBR base pay range per year: £162,000 - £202,000

Location - Remote England

#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 Staff Software Engineer (Repayments)

Compensation & Benefits

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