Software Engineer I, Backend (Collections) at Affirm

JobFluent; United States; Remote; USD 64,000 - 97,000; Full time

Benefits offered by this job

Remote-first with flexibility

Visa sponsorship

Equity rewards

Health coverage for you and dependents

Job summary

affirm is seeking a Software Engineer I, Backend (Collections) to design and implement robust backend services for the collections platform. You will work with product and risk teams to ensure reliable, scalable solutions that recover delinquent loans and improve timeliness of payments.

The role supports Madrid or Remote Spain with a remote-first policy and visa sponsorship. Competitive base pay, equity rewards, and comprehensive benefits are offered.

Qualifications

• Backend systems design, development and deployment experience.
• Experience with Python or Kotlin for backend services.
• Familiarity with distributed systems and cloud tools.

Responsibilities

• Collaborate with team to deliver backend features at scale.
• Participate in on-call rotations as required.
• Write clear, well-tested, maintainable code and reviews.

Skills

Python

Kotlin

Distributed systems

AWS

MySQL

Kubernetes

Code reviews

Tools

AWS

MySQL

Kubernetes

Job description

Software Engineer I, Backend (Collections) in Madrid or Remote

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 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
• 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.**

Remote-first with flexibility built inAffirm 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 youOur 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 (esp) 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.

We’re excited to announce that affirm is now a remote-first company! The majority of our roles can be accomplished anywhere in the U.S. and Canada (with the exception of Quebec). While most affirmers will have the option to choose a remote-first accommodation, our offices in San Francisco, New York City, Pittsburgh, Chicago, and Salt Lake City will remain operational and accessible for anyone to use on a voluntary basis.
At affirm, we’re using today’s technology to bring significant disruptive innovation to the financial industry. We focus on improving the lives of consumers by delivering simple, honest and transparent financial products.