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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 You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. You will help shape the evolution of the Recoveries platform, driving cross-team technical initiatives that optimize recovery strategies, enable flexible customer-facing experiences, and strengthen the reliability and scalability of our financial and partner integrations. You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. You take ownership of your team's operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support "keep the lights on" & on-call efforts. You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. What we look for You have a total of 8+ years of experience as a software engineer. You are proficient in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes You have experience designing and operating correctness-sensitive batch, asynchronous, or data-processing systems, including scheduled workflows, backfills, reconciliation, observability, and robust failure handling. You have experience architecting solutions across complex systems and organizational boundaries, and are comfortable understanding and driving changes outside your immediate area of ownership—including across backend services and customer-facing applications—to deliver end-to-end outcomes. You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work. Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers. You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Total rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade   - P 365,000 zł  -  485,000 zł    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).   Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm's parent company grows, employees have the opportunity to share in that growth financially. Affirm Holdings, Inc. Equity Grade example Equity grade: 5 New hire equity: $48,000-$72,000 Annual Refresh: $15,000 Reward equity: $0-$225,000 Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month. In addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include: Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge. Comprehensive private healthcare through Lux Med's Platinum package. A MultiSport card to support your health and well-being. Learning and development programs to help you grow professionally. Family healthcare support through Maven and parental leave support through Parentaly. Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members. Financial well-being support through Northstar, with unlimited access to Certified. Financial Advisors and planning tools at no cost to you. Employee Resource Groups (ERGs) that foster connection and inclusion. Eligibility for creative tax benefits, subject to applicable law, role, and company policy. Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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 Repayment UX Engineering team is growing, and we're looking for a Full-Stack Software Engineer. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $40B each year. Our team exists to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced and we rigorously measure the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! What You'll Do  With the support of your team's tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will support the operations and availability of your team's artifacts by creating and monitoring metrics, escalating when needed, and supporting "keep the lights on" & on-call efforts. You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. What We Look For  You have a total of 1.5+ years of experience as a software engineer. You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. You have experience shipping web apps using declarative UI frameworks like React or Vue Experience developing and architecting mobile applications, preferably using declarative UI frameworks like React Native is a bonus. You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.  You have strong verbal and written communication skills that support effective collaboration with our global engineering team. T otal rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade  259,000 zł - 379,000 zł Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm's parent company grows, employees have the opportunity to share in that growth financially. Affirm Holdings, Inc. Equity Grade Equity grade: 3 (awarded in US Dollars) New hire equity: $24,000  -  $36,000 USD Annual Refresh: $7,500 Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month. I n addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include: Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge. Comprehensive private healthcare through Lux Med's Platinum package. A MultiSport card to support your health and well-being. Learning and development programs to help you grow professionally.  Family healthcare support through Maven and parental leave support through Parentaly. Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members. Financial well-being support through Northstar, with unlimited access to Certified Financial Advisors and planning tools at no cost to you. Employee Resource Groups (ERGs) that foster connection and inclusion. Eligibility for creative tax benefits, subject to applicable law, role, and company policy. Location - Remote Poland  The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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 Repayment UX Engineering team is growing, and we're looking for a Full-Stack Software Engineer. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $40B each year. Our team exists to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced and we rigorously measure the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! What You'll Do  With the support of your team's tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will support the operations and availability of your team's artifacts by creating and monitoring metrics, escalating when needed, and supporting "keep the lights on" & on-call efforts. You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. On-Call Rotation - There would be an on-call rotation for this role as a requirement. What We Look For  You have a total of 1.5+ years of experience as a software engineer. You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. You have experience shipping web apps using declarative UI frameworks like React or Vue Experience developing and architecting mobile applications, preferably using declarative UI frameworks like React Native is a bonus. You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.  You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Compensation and Benefits Base Pay Grade   - L Equity Grade   - Spain 3 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: €73,000 - €109,000 Additional benefits include: Type of employment: Contract of Employment 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. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. Affirm is building the next generation of customer identity and authentication. This role is a hands-on, mid-engineering position inside Information Security, contributing to core CIAM capabilities that protect customers and support growth. You will help build and maintain backend services that power registration, login, authorization, and account lifecycle flows across B2C and B2B experiences. You will work with experienced engineers and partner teams to deliver scoped identity features with strong security fundamentals, reliability, and operational rigor. What you'll do Build and ship customer-facing authentication features—from smoother login experiences to MFA, step-up authentication, and device binding—with mentorship from experienced engineers. Develop backend services and APIs in Python or Kotlin, turning product requirements into working software that helps customers access their accounts securely. Work with modern identity technologies such as Okta, Auth0, and ForgeRock, writing custom code and integrations that connect identity capabilities to web, mobile, and partner applications. Take scoped features through the software development lifecycle: contribute to design, write readable code and automated tests, participate in code reviews, and deploy to production with support from the team. Solve real engineering problems by debugging services, improving reliability, and using logs and metrics to understand how your code behaves in production. Collaborate with engineering and product partners, learn secure development practices, and grow your software engineering skills while building expertise in authentication.   What we look for We're looking for a Mid-Level Software Engineer with solid engineering fundamentals, a passion for authentication, and an eagerness to learn customer identity and access management. You do not need extensive authentication or CIAM experience—we value your ability to build software, solve problems, and grow in the space. Demonstrated ability to write, test, and debug software in Python, Kotlin, or a similar language through coursework, internships, personal projects, open source, or professional work. No fixed minimum years of experience required. Foundational understanding of backend development, including APIs, data structures, databases, and version control. Genuine curiosity about how authentication works and motivation to build secure, reliable customer experiences. Prior experience with identity protocols or CIAM platforms is a plus, not a requirement. A practical problem-solving approach, willingness to ask questions, and openness to learning through mentorship and code review. Clear communication and the ability to collaborate with engineering, product, and security teammates. Base Pay Grade - L Equity Grade - Canada 5 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). CAN base pay range per year: $133,000 - $183,000 $CAD. This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. Affirm is building the next generation of customer identity and authentication. This role is a hands-on, mid-engineering position inside Information Security, contributing to core CIAM capabilities that protect customers and support growth. You will help build and maintain backend services that power registration, login, authorization, and account lifecycle flows across B2C and B2B experiences. You will work with experienced engineers and partner teams to deliver scoped identity features with strong security fundamentals, reliability, and operational rigor. What you'll do Build and ship customer-facing authentication features—from smoother login experiences to MFA, step-up authentication, and device binding—with mentorship from experienced engineers. Develop backend services and APIs in Python or Kotlin, turning product requirements into working software that helps customers access their accounts securely. Work with modern identity technologies such as Okta, Auth0, and ForgeRock, writing custom code and integrations that connect identity capabilities to web, mobile, and partner applications. Take scoped features through the software development lifecycle: contribute to design, write readable code and automated tests, participate in code reviews, and deploy to production with support from the team. Solve real engineering problems by debugging services, improving reliability, and using logs and metrics to understand how your code behaves in production. Collaborate with engineering and product partners, learn secure development practices, and grow your software engineering skills while building expertise in authentication.   What we look for We're looking for a Mid-Level Software Engineer with solid engineering fundamentals, a passion for authentication, and an eagerness to learn customer identity and access management. You do not need extensive authentication or CIAM experience—we value your ability to build software, solve problems, and grow in the space. Demonstrated ability to write, test, and debug software in Python, Kotlin, or a similar language through coursework, internships, personal projects, open source, or professional work. No fixed minimum years of experience required. Foundational understanding of backend development, including APIs, data structures, databases, and version control. Genuine curiosity about how authentication works and motivation to build secure, reliable customer experiences. Prior experience with identity protocols or CIAM platforms is a plus, not a requirement. A practical problem-solving approach, willingness to ask questions, and openness to learning through mentorship and code review. Clear communication and the ability to collaborate with engineering, product, and security teammates. This position requires either equivalent practical experience or a Bachelor's degree in a related field.   Base Pay Grade - L 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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.) USA base pay range (CA, WA, NY, NJ, CT) per year: $165,000 - $225,000 USA base pay range (all other U.S. states) per year: $146,000 - $206,000 #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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 Repayment UX Engineering team is growing, and we're looking for a Senior Full-Stack Software Engineer. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $40B each year. Our team exists to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced and we rigorously measure the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us!   What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. You will support the operations and availability of your team's artifacts by creating and monitoring metrics, escalating when needed, and supporting "keep the lights on" & on-call efforts. You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For You have 4+ years of experience of developing and architecting mobile applications, preferably using declarative UI frameworks like React Native. You have experience shipping web apps using declarative UI frameworks like React or Vue. You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. Experience developing and architecting mobile applications, preferably using declarative UI frameworks like React Native is a bonus. You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely. Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. You have strong verbal and written communication skills that support effective collaboration with our global engineering team.   Total rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade - N 308,000 zł  -  428,000 zł    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).   Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm's parent company grows, employees have the opportunity to share in that growth financially. Equity Grade - 4 (awarded in US Dollars) Affirm Holdings, Inc. Equity Grade example Equity grade: 4 New hire equity: $32,000-$48,000 Annual Refresh: $10,000 Reward equity: $0-$150,000 Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month. In addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include: Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge. Comprehensive private healthcare through Lux Med's Platinum package. A MultiSport card to support your health and well-being. Learning and development programs to help you grow professionally. Family healthcare support through Maven and parental leave support through Parentaly. Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members. Financial well-being support through Northstar, with unlimited access to Certified. Financial Advisors and planning tools at no cost to you. Employee Resource Groups (ERGs) that foster connection and inclusion. Eligibility for creative tax benefits, subject to applicable law, role, and company policy. Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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 Repayment UX Engineering team is growing, and we're looking for a Senior Full-Stack Software Engineer. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $40B each year. Our team exists to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced and we rigorously measure the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale.If you want to build something new and operate it at scale – come join us!   What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. You will support the operations and availability of your team's artifacts by creating and monitoring metrics, escalating when needed, and supporting "keep the lights on" & on-call efforts. You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. On-Call Rotation - There would be an on-call rotation for this role as a requirement. What We Look For You have 4+ years of experience of developing and architecting mobile applications, preferably using declarative UI frameworks like React Native. You have experience shipping web apps using declarative UI frameworks like React or Vue. You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin. Experience developing and architecting mobile applications, preferably using declarative UI frameworks like React Native is a bonus. You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others. You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely. Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Compensation & Benefits Pay Grade - N Equity Grade - 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: €86,000 - €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. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. Affirm values information security as a critical part of the company's continued success. Our mission is to make information security programmatic and cultural in Affirm, enabling the company to succeed in building honest financial products. The Security team posture increases security and reduces risk while securely enabling access to information for those who need it! The Senior Product Security Engineer candidate will have experience building and architecting software as part of a larger team. The ideal candidate will work effectively with product and engineering teams to evaluate and influence product requirements, design, and implementation to improve the security of Affirm's products. What You'll Do Partner with Affirm product teams to ensure that security is included in every phase of the product development lifecycle. Conduct threat modeling and architecture reviews to ensure threats are understood, documented, and mitigated. Review and analyze product source code to identify security vulnerabilities and provide recommendations for secure implementation. Seek out opportunities to automate processes when appropriate. Identify emerging classes of vulnerabilities and developing solutions for them before they're a problem. Assist product teams in the development of security focused test cases to enforce security requirements. Advise product teams on business security requirements early in the product development lifecycle. Decompose large, cross-team projects into individual tasks. Manage scope across teams and drive toward project closure. What We Look For Deep understanding of web application architecture and design principles Experience using modern software development and delivery techniques to develop cloud-based services. Python, Kotlin, Java, AWS, and Azure experience preferred. Knowledge of common security flaws and resolution as published by OWASP, SANS, etc. Experience with PCI or other regulated environments.  Experience conducting threat models for complex, distributed products using standard threat modeling techniques and methodologies. Experience with standard authentication mechanisms, including SAML and OAuth2. Understanding of continuous integration / continuous deployment processes and tools. BS degree in related field or equivalent experience. MS degree in a related field or equivalent experience is a plus.   Base Pay Grade - N Equity Grade - 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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.) USA base pay range (CA, WA, NY, NJ, CT) per year: $195,000 - $255,000 USD.  USA base pay range (all other U.S. states) per year: $173,000 - $233,000 USD.  #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. About the Engineering team The Engineering team builds systems that power Affirm's mission. We take pride in our craft, building reliable, performant, and scalable solutions that touch every part of the business. Whether we're enabling new ways to pay, ensuring our platforms can scale to the most demanding levels in the industry, or developing seamless servicing experiences, our focus is on solving complex problems through exceptional engineering. About the role We are reinventing credit cards entirely. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. We are looking for a Senior Manager Software Engineering to lead teams centered around integrations with partners, processors, and internationalization.  Your mission will be to decrease the time it takes for our teams to integrate with external partners dramatically and allow us to launch cards as soon as we launch Affirm in a new country. You'll partner with other engineering leaders in revolutionizing the way the team works, shaping the culture of engineering across Cards.   You will lead from the front on AI while holding the bar high on quality.  You'll collaborate with other managers across the organization to create a psychologically safe team.  You will work closely with stakeholders in the EU and US to build products customers want, and are scalable, reliable, and high-performing. You'll help shape best practices, guide architectural choices, and drive the successful delivery of critical initiatives. What you'll do Hire the right people - We are still actively growing our teams in Spain and Poland. You will lead the way on hiring. Build the team culture - Set a high standard and great team culture in your growing organization. Lead the vision – Define the technical direction, long-term technical roadmap, and strategic initiatives in Cards. Be a role model - Lead from the front as an example in using AI to build fast, take initiative, and revolutionize how we work. Work closely with stakeholders across all teams at Affirm to champion and implement technical excellence in conjunction with business results  Create and influence a strong ownership culture across teams, with high accountability and investment for building for scale and efficiency Mentor and lead – Guide a strong group of managers and engineers What we look for You have 10+ years of software engineering experience, including 5+ years managing engineering teams and 2+ years managing managers. You have led a multi-team engineering org through a multi-year technical strategy, breaking ambiguous requirements into deliverables that shipped. You have the technical depth to guide architecture, reliability and quality decisions across a portfolio of systems. You also let tech leads and architects make the calls. You make investment and prioritization decisions even when people disagree or consensus is incomplete, and you change course when the evidence changes. You explain strategy, risk and tradeoffs in terms that make sense to engineers, cross-functional partners and executives. You have grown managers into senior leaders and built teams where diverse perspectives are included and valued on merit. This position requires either equivalent practical experience or a Bachelor's degree in a related field. Total rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade - R 422,000 zł  -  542,000 zł    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).   Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm's parent company grows, employees have the opportunity to share in that growth financially. Equity Grade - 6 (awarded in US Dollars) Affirm Holdings, Inc. Equity Grade example Equity grade: 6 New hire equity: $64,000-$96,000 Annual Refresh: $20,000 Reward equity: $0-$300,000 Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month. In addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include: Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge. Comprehensive private healthcare through Lux Med's Platinum package. A MultiSport card to support your health and well-being. Learning and development programs to help you grow professionally. Family healthcare support through Maven and parental leave support through Parentaly. Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members. Financial well-being support through Northstar, with unlimited access to Certified. Financial Advisors and planning tools at no cost to you. Employee Resource Groups (ERGs) that foster connection and inclusion. Eligibility for creative tax benefits, subject to applicable law, role, and company policy. Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. About the Engineering team The Engineering team builds systems that power Affirm's mission. We take pride in our craft, building reliable, performant, and scalable solutions that touch every part of the business. Whether we're enabling new ways to pay, ensuring our platforms can scale to the most demanding levels in the industry, or developing seamless servicing experiences, our focus is on solving complex problems through exceptional engineering. About the role We are reinventing credit cards entirely. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. We are looking for a Senior Manager Software Engineering to lead teams centered around integrations with partners, processors, and internationalization.  Your mission will be to decrease the time it takes for our teams to integrate with external partners dramatically and allow us to launch cards as soon as we launch Affirm in a new country. You'll partner with other engineering leaders in revolutionizing the way the team works, shaping the culture of engineering across Cards.   You will lead from the front on AI while holding the bar high on quality.  You'll collaborate with other managers across the organization to create a psychologically safe team.  You will work closely with stakeholders in the EU and US to build products customers want, and are scalable, reliable, and high-performing. You'll help shape best practices, guide architectural choices, and drive the successful delivery of critical initiatives. What you'll do Hire the right people - We are still actively growing our teams in Spain and Poland. You will lead the way on hiring. Build the team culture - Set a high standard and great team culture in your growing organization. Lead the vision – Define the technical direction, long-term technical roadmap, and strategic initiatives in Cards. Be a role model - Lead from the front as an example in using AI to build fast, take initiative, and revolutionize how we work. Work closely with stakeholders across all teams at Affirm to champion and implement technical excellence in conjunction with business results  Create and influence a strong ownership culture across teams, with high accountability and investment for building for scale and efficiency Mentor and lead – Guide a strong group of managers and engineers On-Call Rotation - There would be an on-call rotation for this role as a requirement. What we look for You have 10+ years of software engineering experience, including 5+ years managing engineering teams and 2+ years managing managers. You have led a multi-team engineering org through a multi-year technical strategy, breaking ambiguous requirements into deliverables that shipped. You have the technical depth to guide architecture, reliability and quality decisions across a portfolio of systems. You also let tech leads and architects make the calls. You make investment and prioritization decisions even when people disagree or consensus is incomplete, and you change course when the evidence changes. You explain strategy, risk and tradeoffs in terms that make sense to engineers, cross-functional partners and executives. You have grown managers into senior leaders and built teams where diverse perspectives are included and valued on merit. This position requires either equivalent practical experience or a Bachelor's degree in a related field. Compensation & Benefits Base Pay Grade   - R Equity Grade   - Spain 7 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:  €119 000 - €155 000 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. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. About the InfoSec team The InfoSec team protects Affirm's systems and data from evolving threats. We manage security risk, monitor vulnerabilities, and enforce protective controls across the company. The team leads incident response, compliance, identity and access management, and employee training. Our goal is to ensure that security is built into every system and decision at Affirm. We maintain a secure, trustworthy environment so the business can operate and grow with confidence. About the role We are building the next generation of enterprise Identity and Access Management at Affirm. This role combines hands-on IAM operations, automation, and production software engineering to make identity services more reliable, scalable, and easier to operate. You will help run core access lifecycle processes, troubleshoot production issues, and automate repetitive work. You will also build and maintain backend services, APIs, and integrations that connect identity platforms with internal systems. Software engineering is a must-have. You will work primarily with SailPoint and enterprise identity integrations, with CIAM-adjacent Auth0 work where enterprise systems intersect with customer identity. This is a strong opportunity for an engineer who wants to develop deep IAM expertise without stepping away from hands-on coding. What you'll do Run and improve IAM operations, including access lifecycle work, requests, certifications, and issue resolution Automate repetitive processes with scripts, services, and workflow improvements Build and maintain production backend software, APIs, tests, and integrations Connect SailPoint and workforce identity events with internal systems Build a paved path that enables Affirm employees to create modern internal tools with Auth0 Partner with Security, IT, and Engineering on secure, auditable changes Maintain runbooks, operational metrics, and escalation support Example problems you may work on: Fixing a provisioning workflow and adding monitoring or retries Reconciling access between source systems and SailPoint Building an API integration for identity lifecycle events Creating reusable Auth0 patterns, tooling, and documentation for internal applications What we look for 2+ years of software engineering experience or equivalent internship/co-op experience with strong projects Ability to write, test, and operate production-quality backend code in Python or a similar language Strong foundations in APIs, debugging, logging, error handling, and distributed systems Experience with GitHub, CI/CD, testing, and code review Comfort owning operational work and troubleshooting production issues Familiarity with cloud environments; AWS preferred Strong written communication and documentation skills Nice to Have Exposure to IAM, IGA, SSO, SAML, OIDC, SCIM, RBAC, or identity governance Experience with SailPoint, Auth0, Okta, OneLogin, or similar platforms Experience with Terraform or other infrastructure-as-code tools Familiarity with audit or compliance environments Base Pay Grade - L Equity Grade - Canada 5 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). CAN base pay range per year: $133,000 - $183,000 $CAD. This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan. #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.

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. About Ops Enablement The Operations Enablement team builds the capabilities required to deliver fast, accurate, and high-quality servicing experiences for Affirm's customers and merchants—while identifying opportunities to eliminate the need for them to contact us in the first place. We partner across Operations, Product, Engineering, Vendor Management, Legal, and Compliance to ensure every agent is trained, equipped, and able to deliver measurable results from day one. Operating across the full servicing lifecycle, we translate new products, policies, and business requirements into scalable operational capabilities. Our work includes designing training and operational readiness strategies, standing up new servicing experiences, defining and measuring interaction quality, and ensuring agents can quickly access the information they need to resolve issues correctly. We use performance insights, customer contact drivers, quality trends, and agent feedback to identify capability gaps and their root causes. We then build the learning programs, quality frameworks, knowledge systems, processes, and tools needed to close those gaps—while helping our Product and Engineering partners address friction upstream rather than requiring agents to absorb it downstream. By owning the full journey—from operationalizing new products and policies to improving existing workflows—Operations Enablement turns complex change into consistent, compliant, and high-quality servicing at scale. One Role, Multiple Teams We are hiring multiple Manager roles across Affirm's Ops Enablement organization through this single job posting. Rather than interviewing for one specific team, candidates will go through a shared interview process designed to assess the core skills we look for across Ops Enablement. If selected, we will work with you to determine the best team match based on your interests, experience, strengths, and current business needs. You will have the opportunity to learn more about our teams and share your preferences as you move through the process. Potential team placements include: Customer Enablement: Owning and improving specific customer servicing experiences across multiple product offerings Horizontal Enablement: Owning programs that touch multiple customer servicing experiences for specific product offerings About the Role As an Operations Enablement leader you will help to deliver scalable, compliant, and high-quality servicing experiences across our Operations organization. In this role, you will define and execute strategies that enable our servicing operations to grow efficiently while maintaining exceptional customer and merchant outcomes. You will set the vision for operational readiness, ensuring that people, processes, and enablement systems evolve in lockstep with Affirm's servicing strategy. As a senior member of the Operations Enablement team, you will own a portfolio of cross-functional initiatives aligned to strategic priorities—driving delivery across timelines, dependencies, and measurable business outcomes. You will define and execute servicing strategies by developing clear program roadmaps and execution plans and be responsible for planning, coordination, documentation, change management and measurement across assigned initiatives to ensure operational readiness and measurable outcomes This role works closely with partners across Product, Engineering, Operations, Compliance, and external vendors to align priorities and ensure readiness for key business and regulatory changes. Serving as a connector between servicing strategy and day-to-day execution, you will translate strategy into scalable operational capabilities. We are looking for a hands-on, data-driven leader who thrives in complex, regulated environments and is passionate about building durable, high-quality servicing experiences at scale. What You'll Do Own Program Performance: Lead complex cross-functional programs and initiatives, ensuring alignment with servicing strategy, OKRs, and long-term business priorities. Define Program Roadmaps: Develop clear program roadmaps and execution plans, tracking progress against KPIs, timelines, budgets, dependencies, and risks. Partner for Impact: Collaborate closely with senior leaders and cross-functional partners across Product, Engineering, and Operations to align priorities and deliver measurable business outcomes. Drive Stakeholder Engagement: Establish strong stakeholder engagement and governance practices, delivering clear, polished, and executive-ready communications on program status, outcomes, risks, and impact. Manage Risk & Issue Resolution: Proactively identify risks, issues, and dependencies; propose data-backed solutions; and drive resolution in partnership with stakeholders. Lead Operational Excellence: Apply Lean Six Sigma methodologies to identify root causes, implement scalable improvements, and continuously raise the bar for quality, efficiency, and compliance. Own Change End-to-End: Manage the full lifecycle of process and product changes—from design and implementation through change management, adoption, and measurement—ensuring meaningful impact for customers and the business. Build Technical Resources: Collaborate with product and engineering teams to translate technical concepts into clear manuals and resources for both human and AI agents. Elevate Knowledge Management : Architect and evolve our knowledge ecosystem (SOPs, job aids, learning platforms, AI-enabled knowledge tools), ensuring resources are accurate, engaging, and accessible at scale. Translate Technical Concepts: Apply technical depth to plan, design, and create complex operational, instructional, and procedural content, translating technical concepts into clear resources for both human and AI agents. Own Learning & Training Strategy : Oversee end-to-end design and delivery of training programs (onboarding, continuous learning, new product rollouts), ensuring effectiveness through measurement and feedback loops. Collaborate on Experience Improvements: Partner with Product and Engineering teams to deepen understanding of the current customer and agent experience and identify opportunities for workflow and experience optimization. Expand Program Scope: Take on additional program and project management responsibilities as needed, developing working knowledge across adjacent domains to support evolving business needs. What We Look For 7+ years of experience in program management or product operations, preferably within large-scale or global operations. 3+ years of experience at a fintech or financial institution, including 3+ years in a role that involves scaling operations and providing ongoing coaching and feedback to team members. Subject matter expert on financial regulations such as UCC, Reg E, Reg Z, Card Act, GLBA, UDAAP, GDPR, among others.  Have a deep understanding of dispute management rules, response codes, and recommended response data. Certification in Six Sigma, Project Management or Design Thinking Experience implementing and scaling knowledge management and training (Salesforce, Confluence, LMS platforms, or AI-driven knowledge tools). Demonstrated success leading large-scale, cross-functional initiatives with strong execution, stakeholder alignment, and measurable outcomes. Strong skills in strategic planning, issue/risk management and cross-functional execution. Excellent written and verbal communication with the ability to deliver polished, executive-ready updates and influence stakeholders.  Proficiency in process mapping and workflow analysis Proven experience designing business processes that drive a positive end user experience, reduce business risk and increase overall workflow efficiency.  Experience building workflows within a regulatory environment.  Willingness to travel as needed to support team collaboration, operational priorities, and vendor or partner engagements.   Base Pay Grade - L Equity Grade - 5 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. [IF APPLICABLE] For sales roles, the range provided is the role's On Target Earnings ("OTE") range, which includes the annual base pay and the sales incentive target. 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). CAN base pay range per year: $128,000 - $188,000   Location - Remote Canada This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan.   #LI-Remote 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: Health coverage at no cost: We cover 100% of premiums for employees and their dependents. Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. 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. By clicking "Submit Application," you acknowledge that you have read Affirm's  Global Candidate Privacy Notice and consent to the use of your personal information as described.