Software Engineer I, Backend (Collections)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Collections team, as part of the Repayments area, is on a mission to build a robust platform that will maximize the recovery of delinquent users by sending the right message to the right people at the right time, while monitoring and detecting problems and ensuring high reliability of the engineering systems. Collaborating closely with our product managers, backbook risk teams and other engineering teams , you will effectively manage loans throughout the delinquency phase of their lifecycle and develop and implement recovery strategies. We are looking for a highly motivated software engineer to build the next generation platform solutions that will allow us to manage our constantly growing volume while maintaining high availability and reliability of the systems. You will work closely with your team mates in the Collections team and Product to build robust collections solutions which will enable us to keep our loans portfolio healthy and help our customers pay on time and recover from any delays. What You'll Do - With the support of your team, you will work on tasks that contribute to the team's projects and goals. - On-Call Rotation - There would be an on-call rotation for this role as a requirement - You will work collaboratively and proactively with your team and stakeholders, bringing them along for your work and helping to create visibility and dialog regarding the risks and trade-offs related to your work. - You will strike the right balance of speed and quality in your work, ensuring that we hit our business goals while protecting our systems from downtime. - You will contribute to a sense of community on your team by engaging in growth and development activities What We Look For - You have previous work or internship experience designing, developing and launching backend systems at scale and are experienced using one of Python or Kotlin. - You are familiar with the building blocks of distributed systems, and the technologies like AWS, MySQL and Kubernetes. - 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. - You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. - 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 - J Equity Grade - 2 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). We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role. ESP base pay range per year: 57,000 - 87,000 EUR 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 This role is eligible for creative tax benefits, subject to applicable law and company policy Location - Remote Spain The majority of our roles can be located anywhere in Spain. **This job description is not a contractual document, and is not intended to have binding force.** #LI-Remote Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities. We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include: - Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents - Flexible Spending Wallets - generous stipen

Experience designing, developing and launching backend systems at scale; proficient in Python or Kotlin; familiarity with distributed systems and technologies such as AWS, MySQL, and Kubernetes; ability to work in an on-call rotation and collaborate with cross-functional teams; strong communication skills for global engineering collaboration.

Work on tasks contributing to the Collections team's projects; participate in on-call rotation; collaborate with team and stakeholders to discuss risks and trade-offs; balance speed and quality to meet business goals while protecting systems; engage in growth and development activities within the team.