Software Engineer II, Backend (Recoveries)

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, as a part of the Repayments area, is on a mission to build a robust platform that will maximize the recovery of charged-off loans while monitoring, detecting and ensuring to minimize the discrepancies between us and our business partners systems. Collaborating closely with our product managers and backbook risk teams, you will effectively manage loans throughout the final phase of their lifecycle and develop and implement recovery strategies.

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 a total of 2.5+ years of experience as a software engineer.
· You are experienced in designing, developing and launching backend systems at scale technologies like Python, AWS, MySQL, and Kubernetes.
· You have experience shipping web apps using declarative UI frameworks like React.
· You have experience designing, implementing, and operating batch processing or asynchronous workloads, including scheduled jobs, backfills, and large-scale data processing, with a strong focus on correctness, observability, and failure handling.
· 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.
· On-Call Rotation - There would be an on-call rotation for this role as a requirement.

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: 73,000 - 109,000 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

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.**

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.