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Define and execute the year‑long technical strategy for the Recoveries platform, drive cross‑team initiatives, and own the reliability, monitoring, and on‑call operations for critical backend services.
8+ years of backend engineering experience with Python/Kotlin, AWS, MySQL and Kubernetes; proven ability to build and operate correctness‑sensitive batch and data‑processing systems and to architect solutions across complex, multi‑team environments.
The role shapes the systems that recover value from charged‑off loans, directly influencing revenue, regulatory compliance, and the customer experience across the entire Recoveries lifecycle.
A senior engineer who thrives in ambiguity, enjoys setting technical direction, mentoring others, and handling high‑impact, reliability‑focused work in a fast‑moving, cross‑functional fintech environment.
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.
The Recoveries team, part of Affirm’s Repayments area, builds the platform that determines the most effective way to recover value from charged-off loans while providing the best possible customer experience. We do this both by integrating with external recovery partners and by building our own customer-facing experiences that give customers flexible ways to resolve their outstanding balances.
Our systems span the full recoveries lifecycle, including loan placement and recall, partner integrations, payments and remittances, reconciliation, bankruptcy workflows, and customer-facing recovery experiences. Recoveries operates at the intersection of engineering, product, risk, analytics, operations, finance, legal, and compliance, and our systems directly impact recovery outcomes while requiring a high degree of correctness, reliability, and regulatory compliance.
We are looking for a Staff Software Engineer to help define the technical direction of the Recoveries platform as we scale our decisioning capabilities, expand internationally, strengthen our data integrity and reconciliation foundations, and build the next generation of recovery products.
What You'll Do
What we look for
Base Pay Grade - P
Equity Grade - 6
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: €103,000 - €139,000
Additional benefits include:
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
Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.
Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:
We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.
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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