Remote Senior Software Engineer, Back-end (Fraud)

Description:

• Affirm is reinventing credit to make it more honest and friendly, allowing consumers to buy now and pay later without hidden fees or compounding interest.
• The Fraud Engineering organization builds software that enables Affirm to respond strategically to fraud in real time and after transactions.
• The mission is to support business growth while protecting Affirm, buyers, and merchants by evaluating risk at critical decision points and adapting to evolving fraud patterns.
• The Senior Software Engineer will join a fully remote team based in Europe and collaborate with stakeholders across North America, including teams in Product, Compliance, Machine Learning, Fraud Operations, and other Fraud Engineering teams.
• Responsibilities include owning and delivering quarterly goals, leading engineers through ambiguity, and ensuring team support throughout delivery.
• The engineer will design and implement backend services and APIs using Python or Kotlin within Affirm’s microservice and event-driven architecture.
• The role involves shaping the team’s roadmap, collaborating on technical design, and driving execution across projects that span multiple teams.
• The engineer will partner with the Engineering Manager to elevate quality standards, evolve engineering processes, and represent the team in cross-functional initiatives.
• Collaboration with stakeholders in Fraud Ops, Compliance, Product, Machine Learning, and Analytics is essential to build scalable fraud tooling and infrastructure.
• The engineer will proactively identify opportunities to improve system reliability, team efficiency, or architecture and lead efforts to address them.
• Contributions to operational excellence include maintaining high observability standards, responding to incidents, and participating in the on-call rotation.
• The engineer will foster a culture of ownership, inclusion, and craftsmanship by mentoring teammates, providing feedback, and upholding high code and design standards.

Requirements:

• Candidates must have 5+ years of experience building backend systems at scale using Python or Kotlin.
• Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes is required.
• Strong system design skills and a track record of delivering maintainable, extensible services are necessary.
• Proficiency in SQL and experience working with data-rich environments is essential.
• Familiarity with CI/CD practices and safe production deployments is required.
• Strong written and verbal communication skills, especially in distributed teams, are necessary.
• A proactive, ownership-driven mindset with a focus on learning and team success is expected.
• Experience with Snowflake, dbt, Airflow, or Chronosphere is a plus.
• A background in fraud prevention, risk systems, or post-transaction tooling is a nice-to-have.
• Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints, is also a plus.

Benefits:

• The position offers a base pay range of 301,000 zł - 401,000 zł per year, with a transparent pay structure based on location, experience, and job-related skills.
• Employees may receive monthly stipends for health, wellness, and tech spending, along with 100% subsidized medical coverage, dental, and vision for themselves and their dependents.
• Additional benefits include a Contract of Employment, Flexible Spending Wallets for tech, food, and lifestyle, and wellness days known as Away Days.
• Learning & Development programs and parental benefits are also provided.
• Employees have access to Employee Resource & Community Groups.
• The role is eligible for creative tax benefits, subject to applicable law and company policy.
• Affirm offers competitive benefits that prioritize employee well-being, including comprehensive health care coverage, generous stipends, competitive vacation and holiday schedules, and an employee stock purchase plan (ESPP) allowing shares of Affirm to be purchased at a discount.