Software Engineer II, Backend (Card)

Userc Dehradun; Polska; Hybrid; PLN 259,000 - 379,000; Full time

Benefits offered by this job

Healthcare coverage

ESPP equity program

Flexible spending wallets

Remote-first company

Job summary

Affirm is hiring a Software Engineer for the Card Checkout team. You will help build scalable backend systems, enabling a seamless checkout experience for our users on Affim Card products.

The role emphasizes owning features from design through delivery, collaborating with product, design and analytics, and participating in on-call and growth activities. Remote-first with Poland as the base.

Qualifications

• 2+ years of experience as a software engineer.
• Experience designing, developing and launching backend systems; proficient in Python or Kotlin.
• Familiar with distributed systems and technologies like AWS, MySQL and Kubernetes.
• Writes high quality, well-tested, extensible code.
• Strong ownership, growth mindset and proactive feedback.
• Strong verbal and written communication for global collaboration.

Responsibilities

• Break down projects into tasks and deliver in phases with timely delivery.
• Collaborate with product, design and analytics to address constraints and risks.
• Support operations and keep artifacts healthy with metrics and on-call efforts.
• Contribute to team growth through interview processes and mentorship.

Skills

Backend design

API development

Code reviews

Team collaboration

Debugging

Python

Kotlin

Tools

AWS

MySQL

Kubernetes

Job description

Location Poland

Job type Full Time

Salary PLN 259000–379000 / annual

Posted 17 Oct 2026 (1 day ago)

Region Europe

Category Developer

Source Himalayas

Work mode Remote

Ataffirm, 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 Card team is responsible for the Card products at Affim. Our central focus is developing high quality, seamless, scalable and flexible platforms that enable users to get transparent, honest financing for their purchases anywhere with Affim’s card products.

As a Software Engineer on the Card Checkout team, you will play a critical role in the development and implementation of complex software systems that allow for a seamless checkout experience for our users.
We're looking for a highly motivated Software Engineer to join the Card engineering team within the Direct to Consumer organization. Our team focuses on the in-app experience of Affim Card products. We are a full-stack team of backend and mobile engineers partnering closely with product, design, and analytics to build scalable systems and experiences that power our Card products.

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 2+ 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 are familiar with the building blocks of distributed systems, and technologies like AWS, MySQL and Kubernetes.
• You write high quality code that is easily understood and used by others.
• 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.

Total rewards

We believe the people building honest financial products at Affim 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

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 Affim’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)

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.

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.**

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 Affim 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.