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.

We are looking for a highly motivated Software Engineer in our Furnishing Platform team to build scalable systems and data pipelines to power our consumer credit reporting. You will partner closely with our Product, Compliance, Servicing, and Credit teams to design robust reporting systems. The systems you will work on are vital for delivering accurate and timely data from Affirm’s financial product portfolio to Consumer Reporting Agencies.

Affirm is growing fast and we want you to enable us to scale our products to 10x and beyond through building world-class systems which enable Affirm in its mission to provide honest financial products which improve lives.

We are only just getting started! 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

Own and deliver strategic outcomes: Drive the definition and delivery of quarterly and long-term goals, ensuring your team’s work ladders up to company-wide objectives. Lead engineers through ambiguity and open-ended problems, providing clarity and direction.

Shape architecture and technical strategy: Influence the design of backend systems across multiple teams. Ensure that solutions are scalable, extensible, and aligned with broader engineering standards.

Collaborate cross-functionally: Partner with product, analytics, and design to define solutions. Anticipate risks, articulate trade-offs, and ensure technical decisions support long-term product and business needs.

Champion operational excellence: Ensure high availability and reliability of services by establishing strong monitoring, alerting, and recovery practices. Drive improvements that reduce system fragility and operational burden.

Mentor and grow talent: Guide engineers within and beyond your team through mentorship, code/design reviews, and technical leadership. Set high standards for engineering practices and foster a culture of ownership and continuous learning.

Scale impact beyond your team: Author technical proposals, share best practices via documentation and tech talks, and advocate for improvements that raise the bar for the broader data engineering community.

On-Call Rotation - There would be an on-call rotation for this role as a requirement

What We Look For

Deep technical expertise: 4+ years of experience designing and building large-scale distributed backend systems, with strong proficiency in languages like Kotlin (or Python as a plus)

Systems at scale: Proven track record of delivering high-volume, highly available systems using technologies like AWS, MySQL, and Kubernetes (Airflow, Spark, as a plus).

Architectural leadership: Experience defining technical strategies for complex, cross-team initiatives. Ability to design elegant, extensible systems that balance short-term needs with long-term scalability.

Operational rigor: Skilled at building resilient systems with monitoring, alerting, and safe deployment practices. Comfortable driving significant changes in large, complex codebases.

Leadership and influence: History of mentoring engineers, unblocking teams, and shaping best practices beyond your immediate group. Ability to navigate ambiguity and drive clarity across stakeholders.

Strong communication: Excellent verbal and written skills that enable you to influence technical and product decisions across a global engineering org. Must be proficient in asynchronous mode of communication–written tech specs, wiki, project plans, etc.

Project management: high degree of organization and ability to surface critical information effectively.

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: €86000 - €122,000

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 benefits

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.

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 Affirm's Global Candidate Privacy Notice 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 (Furnishing Platform)

Job Description

What You’ll Do

What We Look For

Compensation & Benefits

Skills & Requirements