Affirm

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. About the Finance team The Finance team ensures Affirm remains financially sound and strategically positioned for growth. Our team manages financial planning, accounting, pricing, vendor management, tax, investor relations, and corporate development. We deliver timely insights, accurate reporting, and careful analysis to support decision-making. From day-to-day financial operations to major investments, we enable sustainable, informed growth by maintaining strong fiscal discipline. About the team We're looking for a passionate and analytically minded professional to join the Strategic Finance team to support the growth of Affirm’s top-line in revenue streams with large business-to-business (“B2B”) merchant partners. Strategic Finance is responsible for driving company strategy, empowering executive decision making with real time forecasts and analytics, and guiding the company towards achieving its goals. This high impact, highly visible role sits on the Revenue Finance group, a scrappy, tight-knit team with outsized cross-functional impact and ownership. The ideal candidate will not only have superb technical skills but also strong interpersonal skills and the ability to influence and present to all levels of the organization. What you'll do - Partner with cross functional leaders (i.e. Product, Growth Analytics, Credit, Revenue and, Merchant Pricing) to drive business outcomes through strategic and analytic support - Build and maintain financial models to forecast, reconcile, and describe variances for our gamut of metrics - Collaborate with our ML modeling team to marry your modeling with aggregated ML forecasts - Establish top-line performance metrics and targets, analyze and report realized financial performance to Executives and other company leaders, and drive accountability for results - Design and deliver scalable automated user and financial dashboards and analytics for cross departmental and executive consumption What we look for - Passion and drive to disrupt the lending and financial industry for the better - Strong sense of ownership, intention, intellectual curiosity, and an ability to think creatively and critically and thrive in a fast-paced, dynamic, and often ambiguous work environment - 2+ years experience in fast-paced analytical roles (strategic finance, investment banking, consulting, data science, analytics, etc.) - Exceptional analytical skills and the ability to synthesize complex financial information into clear, concise reports - High attention to detail but an equally important ability to see the big picture and evaluate analyses with strategic business context - Strong interpersonal and communication skills, with the capability to navigate cross-functional collaborations effectively and be front and center with company executives - Curiosity to build things (processes, models, etc.) with/for/around AI - Experience with merchant payments and/or providing

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. About the Team: Affirm's Compliance organization supports the company's risk management framework across all three lines of defense, partnering with teams throughout the business to promote a strong culture of compliance and effective risk management. The Privacy Compliance team sits within the second line of defense and is responsible for the independent oversight and governance of Affirm's privacy compliance program. The team partners closely with Legal, Product, Engineering, Operations, and other business functions to establish policies, standards, and control expectations, monitor compliance with regulatory requirements, and provide independent challenge to help ensure privacy risks are effectively managed while maintaining second-line independence. About the Role: The Compliance Manager, Privacy operates within the second line of defense and is responsible for oversight and governance of the Privacy compliance program. This role translates legal and regulatory requirements into policies, standards, and control expectations, and provides independent monitoring and challenge to support effective implementation by first-line teams. In alignment with the company’s privacy operating model, Legal retains responsibility for regulatory interpretation and legal advisory, while Product, Engineering, and Operations own the implementation and execution of controls. This role partners with those teams to drive compliant outcomes while maintaining second-line independence. This role does not serve as a designated Data Protection Officer (DPO) and does not hold regulatory accountability for statutory privacy roles. What You’ll Do: - Support oversight of the existing Privacy compliance program across jurisdictions, with primary focus on U.S. requirements and alignment to global privacy obligations, where required suggest improvements. - Translate Legal guidance and regulatory requirements into policies, standards, and control expectations, ensuring clear articulation of compliance requirements for first-line teams. - Provide oversight and maintain existing governance frameworks and standards for core privacy program areas, including: - Data subject rights (DSAR) processes and SLAs - Data protection impact assessment (DPIA) governance and documentation standards - Consent and preference management expectations - Data retention and deletion requirements - Partner with Product and Engineering to advise on and review the design and implementation of privacy controls, ensuring alignment to regulatory expectations while maintaining second-line independence. - Provide independent oversight and effective challenge of first-line privacy control environments, including review of control design, identification of gaps, and tracking of remediation actions. - Oversee privacy incident and breach response processes from a governance perspective, including review of escalation, documentation, and outcomes, in coordination with Legal on notification requirements. - Maintain privacy risk registers and support risk assessment processes,

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. Affirm is committed to building lasting partnerships with merchants for long term growth and ongoing revenue generation. As a Vulnerable Customer (VC) Manager, you will serve as the subject matter expert at the intersection of consumer protection, regulatory compliance, and operations within a UK-regulated BNPL / Deferred Payment Credit environment. You will own the end-to-end Vulnerable Customers program, including policy design, operational frameworks, agent experience, and reporting, ensuring alignment with FCA Consumer Duty and related guidance. This role requires a balance of strategic thinking and hands-on execution, partnering across Operations, Compliance, Legal, and Data to deliver fair customer outcomes at scale. This person will report to the Collections Sr. Manager. What you’ll do - Own and evolve Affirm's Vulnerable Customers programme, including policy, procedures, and operational frameworks aligned with FCA Consumer Duty (PS22/9), FG21/1, and CONC - Design and maintain customer identification and flagging frameworks, including taxonomy, severity classification, and case routing workflows - Define and manage the distinction between Vulnerable Customers and Hardship/Breathing Space programmes, ensuring clear eligibility, treatment strategies, and exit criteria - Develop and optimize agent scripts, decisioning guides, and escalation pathways to support sensitive customer interactions and needs-based outcomes - Partner with Operations and Training teams to embed VC practices into agent workflows, onboarding, and QA frameworks - Own metrics, dashboards, and reporting for the VC programme, including KPI/KRI definition and board-level reporting - Serve as the internal SME on Consumer Duty and vulnerability, translating regulatory requirements into actionable operational practices - Monitor regulatory developments (e.g., FCA reviews, Dear CEO letters) and drive gap assessments and program enhancements - Partner with Compliance and Legal to support regulatory engagement, including supervisory requests and policy interpretation - Lead governance of the VC programme, including risk management, control frameworks, and audit readiness - Drive cross-functional execution with Data, Product, and Engineering to ensure accurate system capture, reporting, and scalability What we look for: Essential: - Experience designing or operating a Vulnerable Customers or Financial Difficulty programme within a UK-regulated financial services environment - Strong knowledge of FCA Consumer Duty (PS22/9), FG21/1, and CONC, with the ability to translate regulation into operational practices - Experience developing customer-facing scripts or communications for sensitive or regulated interactions - Proven ability to define and manage metrics, reporting frameworks, and dashboards - Strong cross-functional program management skills, with the ability to drive initiatives end-to-end <li&

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. Developer Productivity exists to make work better for every engineer at Affirm. Our mission is to simplify and accelerate software development across the company. We own the entire space between a developer’s laptop and production, including ephemeral dev environments, CI/CD pipelines, test automation frameworks, dependency management, and release engineering. Our tools and platforms enable engineers to ship code quickly, safely, and with confidence. This org supports 800+ engineers working across a broad stack in a hypergrowth FinTech environment—a complex, high‑leverage challenge with impact at scale. The Developer Environments team builds fast, stable developer environments that make it easy for Affirm engineers to create, test, and debug their features. We own Affirm’s ephemeral development environments, used across both development and CI workflows. We’re seeking a seasoned Engineering Manager to lead Developer Environments. This role is critical to the end-to-end inner loop experience for engineers. You will lead the team building and operating the platforms that support environment provisioning, test execution, and automated developer infrastructure—partnering closely with CI/CD, infrastructure, security, and product engineering teams. What you’ll do Leadership & Strategy - Define and drive the vision for Developer Environments and inner-loop developer productivity at Affirm. - Set technical strategy for your team on a year-long time scale, and tie it to critical, business-impacting projects. - Lead and mentor a team of engineers, fostering a culture of ownership, collaboration, and technical excellence. - Partner with engineering leadership and stakeholders to align Developer Environments priorities with broader product, platform, and reliability goals. Systems & Operations - Own the design, scalability, reliability, and usability of the systems powering Affirm’s ephemeral developer environments used in both development and CI contexts. - Improve environment provisioning, stability, and teardown workflows to enhance developer velocity and reliability. - Drive measurable improvements to the developer journey (e.g., startup time, success rate, performance, debuggability, resource utilization). - Implement monitoring, alerting, incident response processes, and operational playbooks to minimize downtime and developer impact. - Collaborate with CI/CD and Test Platform partners to tighten feedback loops and ensure environments integrate cleanly with build/test workflows. Collaboration & Enablement - Work closely across engineering to ensure smooth adoption of Developer Environments tooling and best practices. - Identify developer pain points and lead initiatives to improve productivity through tooling, automation, and self-service. - Foster a culture of quality and ownership on your team by setting and improving code review and design standards, and advocating for them beyond your team through writing and knowledge sharing. &lt

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. Product Support Specialists at Affirm provide fast and reliable service to our merchant business partners. This role is at the front line of our merchant support experience, and you will be responsible for ensuring that any technical or operational issues our merchants have are quickly resolved. You will become a product and payments expert, viewed by our clients as a trusted partner from whom they can reliably get quick and correct information. You will work cross-functionally with Affirm’s Sales, Client Success, Operations, and Engineering teams to provide clients with quick solutions, troubleshoot account issues, and build internal processes that scale. What You'll Do : - Support Affirm’s merchant partners: E-Commerce retailers which utilize various platforms - Utilize various troubleshooting techniques to resolve complicated technical or configuration issues - Work closely with engineers to resolve technical and operational issues, and provide high-touch support to merchant partners - Effectively manage multiple customer inquiries simultaneously, with appropriate prioritization - Build scalable support processes and engage with feedback to streamline workflows - Drive merchant partner communication and outreach about new features and enhancements - Aggregate feature requests based on merchant partner feedback to guide future product planning What We Look For : - Located in the CST or PST. - Bachelor’s degree or equivalent experience - 2+ years of experience in relevant industry (Tech, eCommerce, SaaS) and/or similar role(s) - Ability to handle a high volume of requests with efficiency and empathy - Passion and drive to change consumer banking for the better - Great writing. You need to be able to clearly describe technical concepts and instructions in emails, but let your personality show and use these interactions as a chance to build relationships - A knack for understanding complicated technical systems and concepts - A record of taking responsibility for owning projects through completion and adapting completed projects as needs change - Insight: you can see the questions and issues that motivate our merchants and collaborators, even if they’re not plainly stated - Nice to have: Fluent in French as well as English - Nice to have: Experience working with major e-commerce platforms (Shopify, WooCommerce, etc) or exposure to web development concepts - Nice to have: comfort working with logs and formatted data to troubleshoot issues - Level commensurate on experience Pay Grade - D Equity Grade - 1 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple

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. We are seeking a seasoned Engineering Manager to lead our Resilience Engineering team. This role is critical in ensuring the safety and reliability of our production systems through proactive validation techniques, including production load testing and chaos engineering. You will lead the development of systems and practices that allow engineers to safely test system behavior under stress and failure conditions in production, ensuring issues are discovered and mitigated before they impact real users. What you’ll do Leadership & Strategy - Define and drive the vision for resilience engineering at Affirm, with a focus on production load testing and chaos engineering as first-class engineering practices. - Lead and mentor a team of engineers building platforms and tooling for safe production experimentation. - Partner with infrastructure, product, and security leadership to embed resilience validation into the software development lifecycle. - Establish best practices for safely testing system limits and failure scenarios in production. Systems & Operations - Own the design and evolution of platforms that enable safe, controlled production load testing and fault injection. - Ensure strong safeguards are in place, including isolation boundaries, approval workflows, and automated rollback mechanisms to protect real users. - Build systems that provide end-to-end observability, traceability, and auditability for all resilience experiments. - Drive reliability improvements by systematically identifying weaknesses through load testing and chaos experiments. - Establish monitoring, alerting, and incident response practices tailored to proactive resilience validation. Collaboration & Enablement - Work closely with engineering teams to design and execute production load tests and chaos experiments safely. - Partner with infrastructure teams to build guardrails around tests and experimentations. - Enable teams to adopt resilience practices by providing reusable tooling, frameworks, and standardized workflows. - Identify systemic weaknesses and lead cross-functional efforts to improve reliability and fault tolerance. - Evangelize a culture of “test failure before failure tests you” across the organization. What we look for - Proven experience leading engineering teams in reliability, infrastructure, or distributed systems. - Hands-on experience with production load testing, chaos engineering, or large-scale system validation. - Experience with leveraging a chaos engineering vendor such as Gremlin, Harness, or something simi

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 Business Development team works in lockstep with our Key and Enterprise Sales team to identify top-of-funnel opportunities within target industries through creative and effective outbound strategies. This is a fast-paced, high-impact team that works cross-functionally with Sales, Marketing, Legal, Merchant Risk. This role has a direct impact on high-priority organizational goals, and will provide a pathway to a successful sales career. We are looking for a driven, thoughtful and tenacious individual to join our world-class team and help change consumer finance for the better. *]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" data-turn-id="request-WEB:5f1b73d3-8121-475a-b0e0-aee68aa26f9a-1" data-turn-id-container="request-WEB:5f1b73d3-8121-475a-b0e0-aee68aa26f9a-1" data-testid="conversation-turn-4" data-scroll-anchor="false" data-turn="assistant"> What You'll Do - Drive new business by identifying, qualifying, and developing new partnership opportunities for Affirm - Collaborate closely with Account Executives and the rest of the Sales & BD team to strategize creative outreach campaigns and determine priority of outreach based on potential impact - Manage the first stages of the Sales & Business Development pipeline by performing initial cold outreach and nurturing leads through various inbound channels, including phone, email and social - Engage potential partners about their goals and challenges, and educate them on the value of Affirm - Contribute significantly

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. About the People team The People team helps Affirmers cultivate a high-performing, inclusive organisation. We focus on three core areas: attracting talent aligned to our mission, enabling growth through people and team development, and retaining employees through thoughtful experiences and rewards. We develop Affirm’s people programs and systems to create a workplace where all employees can thrive and contribute meaningfully. By investing in our people, we create a long-term advantage for the business. About the team Talent Brand shapes how Affirm shows up to talent bringing our mission and culture to life. As part of Talent Acquisition, we help attract and engage the right people globally. What you’ll do You’ll shape how Affirm shows up to talent globally delivering clear, consistent storytelling that connects our mission to the people we want to reach. - Contribute to and evolve our global talent brand strategy across social, web, and internal channels, aligning work to Talent Acquisition priorities - Create clear, thoughtful content that brings our Employee Value Proposition (EVP) to life and helps candidates understand how we work and why it matters - Manage and execute social content from planning through publishing, using insights to improve reach and engagement - Partner closely with Marketing, Brand, Communications and external partners to deliver cohesive campaigns across markets - Maintain and optimise careers site and job board content, ensuring accuracy, relevance, and a strong candidate experience - Use data and experimentation to measure performance, share insights, and improve outcomes over time What we look for You’re a strong writer and collaborator who takes pride in clear, thoughtful work that makes an impact. - You have 2-3 years experience with a Bachelor's degree - You have experience in talent brand, marketing, or social media, with a track record of contributing to impactful work - You’re a strong writer who can translate ideas into clear, human language across formats - You take projects from brief to launch, keeping work moving and bringing the right people along - You work well across teams, building strong partnerships and communicating clearly to deliver shared outcomes - You’re curious and motivated to grow, open to feedback and always looking for ways to improve your work - You connect your work to hiring goals and use AI tools to improve efficiency and impact - You’re comfortable using data to inform decisions and translating insights into clear actions and priorities Compensation & Benefits Base Pay Grade - H Equity Grade - 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 m

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. About the People Team: The People team helps Affirmers cultivate a high-performing, inclusive organization. We focus on three core areas: attracting talent aligned to our mission, enabling growth through people and team development, and retaining employees through thoughtful experiences and rewards. We develop Affirm’s people programs and systems to create a workplace where all employees can thrive and contribute meaningfully. By investing in our people, we create a long-term advantage for the business. About the Role: We are seeking a Talent Programs Specialist to lead and evolve our Engineering University Program. In this role, you will own the end-to-end experience for our interns, apprentices, and new graduates—from program planning and event execution to cohort engagement and continuous program improvement. Building on a strong existing foundation, you will assess opportunities to enhance the program and drive an even more impactful experience for future cohorts. You will partner closely with stakeholders across Talent Acquisition, Engineering, People teams, and business leaders to deliver a seamless and enriching participant journey. Leveraging your expertise in university recruiting, program management, and employee experience, you will lead multiple initiatives that foster inclusion, engagement, and development while ensuring the success of our early career talent programs. What You’ll Do: - Lead the design, execution, and continuous improvement of Affirm's Engineering University Programs, including internship, apprenticeship, and new graduate programs. - Deliver an exceptional experience for early-career talent through engaging programming, events, and development opportunities. - Partner closely with University Recruiting to ensure a seamless experience from candidate acceptance through program completion. - Collaborate with stakeholders across Engineering, Talent Acquisition, People, and Learning & Development to align program goals, drive engagement, and measure success. - Use participant feedback, stakeholder input, and program metrics to identify opportunities for improvement and enhance program outcomes year over year. - Manage program communications, timelines, logistics, and participant support across multiple initiatives simultaneously. What We Look For: - 3+ years of experience in program or project management, preferably within talent, university recruiting, or employee experience programs. - Experience designing and managing university talent programs, including internships, campus recruiting initiatives, and early-career development programs. - Strong written and verbal communication skills, with the ability to build relationships and influence cross-functional stakeholders. - Proven ability to create exceptional participant experiences by partnering across teams, gathering feedback, and driving continuous improvement. - Passion for fostering diverse, inclusive, and equitable talent programs. - Strong organizational skills with exceptional attention to detail. - Ability to navigate ambig

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. Financial Systems owns the data and reporting foundation for Accounting, and the operational reliability of the pipelines that power reporting, reconciliations, and automation. We are building a single source of truth for financial information using dbt and Snowflake to enable scalable BI and process automation across the org. We are hiring an Analytics Engineer focused on maintaining and optimizing our finance data platform , improving reliability, efficiency, and performance of our pipelines and core datasets. This role is ideal for someone who enjoys operational ownership, building strong foundations, and making data systems easier and safer to run at scale. What You’ll Do - Build and maintain dbt models and core datasets that support Accounting reporting and downstream automation use cases. - Improve platform reliability through strong testing patterns, alerting, and runbooks. - Own and document data pipelines and lineage, ensuring changes are understandable and auditable. - Identify, troubleshoot, and resolve production data issues, and drive root-cause fixes. - Optimize performance and cost in Snowflake and dbt to support scaling needs. - Partner with engineering and business stakeholders to translate requirements into durable, well-tested data assets. - Contribute to the team’s best practices in version control, code review, documentation, and release hygiene (GitHub-based workflows). What We Look For - 3+ years of experience in analytics engineering, data engineering, or similar roles working with production data systems. - Strong SQL skills and hands-on experience building in dbt (modeling, testing, documentation). - Experience operating in a modern development workflow: - Git and pull-request based collaboration (GitHub preferred). - Familiarity with standard IDEs and collaborative debugging practices. - Experience working with cloud data warehouses (Snowflake preferred). - A strong sense of ownership and comfort working in ambiguous, fast-moving environments. Nice to Have - Finance/accounting data familiarity (e.g., close concepts, reconciliations, ledger-style modeling). - Experience with integration/automation platforms (Workato, Fivetran, or similar). - Experience supporting reporting layers and BI tooling. - Working knowledge of Python for data manipulation and automation. - Familiarity with CI pipelines and quality gates for code quality, testing, and build validation. - Interest in applying AI-assisted development responsibly within engineering guardrails. Compensation and Benefits Base Pay Grade - K Equity Grade - Poland 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

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 Risk & Analytics team makes crucial decisions that direct Affirm’s business strategy. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently. The Credit team works cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, driven individual who wants to learn, grow, and solve hard problems. The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory; thinking through credit policies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle. The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience! What You’ll Do - Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies. - Partner with Engineering to design and build scalable risk models and credit risk capabilities. - Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk. - Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations. - Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships. - Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals. - Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations. What we look for - Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 2+ years of experience (or equivalent senior-level experience) - SQL, Python, or other scripting languages - Data mining, data visualisation, and statistical

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. 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. Affirm seeks a Financial Crimes Analyst to help support a comprehensive Financial Crimes Compliance program. Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience! What you'll do - Follow company policies/standards to determine if activities or transactions are non-compliant/potentially suspicious and action as appropriate - Ability to work / investigate alerts in a fast-paced environment while maintaining high quality standards - Undertake ad project work and Financial Crime program enhancements - Work closely with our Financial Crimes team to stay up to date on current industry standards and regulatory requirements - Work in collaboration with cross functional teams across the organization What we look for - 3+ years of professional work experience in BSA/AML, Sanctions or KYC experience preferred. Financial services company experience a plus. - Exceptional judgment, organizational and analytical skills and keen attention to detail, coupled with excellent verbal and written communication abilities - Strong working knowledge of analytical tools, such as Snowflake, Excel, and visualization software (e.g. Looker, Tableau, etc.) - Strong understanding of BSA/AML and Sanctions Program requirements - Ability to collaborate cross-functionally with, and communicate complex regulations to, business partners - Passion for technology, consumer finance, and improving consumer credit products - Industry certifications preferred but not required (Relevant examples include CAMS, CFE, CIA, etc.) Compensation and Benefits Base Pay Grade - F Equity Grade - Poland 1 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). POL base pay range per year: 149,000 zł - 179,000 zł Additional benefits include: - Type of employment: Contract of Employment - Flexible Spending Wallets for tech, food and lifestyle - Away Days - wellness days to ta

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. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience! About the Risk & Analytics Team: The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm’s business strategy. We partner with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow Affirm responsibly by optimizing approval, conversion, losses, and profitability. Operating across the entire customer and merchant lifecycle, we tackle a diverse array of challenges from optimizing checkout conversion and mitigating fraud risk, to building scalable data foundations and enabling international growth. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools, scalable data infrastructure, and analytical frameworks. We improve the analytics experience across Affirm by streamlining workflows and fostering a culture of learning and documentation. By taking ownership of the entire analytical lifecycle, from initial question to final business decision, we turn complex data and systems into clear, actionable signals that ensure Affirm grows efficiently and intelligently. Our Teams (Where You Might Sit): Candidates hired into the R&A organization will be sorted into a core team based on business need and background. Our primary domains include: - Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel. - Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences. - Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience. - Core Analytics: Build the quantitative research, machine learning models, performance monitoring, and scalable data foundations that enable fast, economically sound decisions. - Servicing: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency. - International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets. About the Role As an Analyst I, you will learn the fundamentals of consumer lending while executing scoped analytical tasks on a day-to-day cadence. Working under the guidance of senior analysts and managers, you will leverage advanced data analytics to help optimize business strategies and monitor portfolio performance. You are a thoughtful, driven individual eager to build a strong technical foundation, learn how to navigate exogenous market changes, and integrate modern AI tooling to solve hard problems efficiently. What You Will Do - Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies. - Monitor Portfolio Health: Assist in tracking performanc

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 Card Acquisition team is critical in bringing our exciting product vision to life. Like any other financial company, our first impression is essential in communicating trust and value to our customers and partners. We're a dynamic, innovative team that drives user acquisition and growth. We are passionate about creating seamless and engaging experiences that attract and convert users into loyal customers. Our team leverages the latest technologies and data-driven insights to optimize the onboarding funnel and drive meaningful impact. What You'll Do - Work with product and engineering managers to implement business-critical features enabling new user experiences across the entire stack (React Native for FE and Python, Kotlin for BE) - Work with team technical leaders to design and implement insightful, forward-looking approaches that go beyond the direct team and solve significant open-ended problems. - Consistently generate simple, elegant designs and write high-quality code that others can easily understand and leverage. - Collaborate with the design team to ensure a visually appealing and user-friendly interface. - Build relationships with people across engineering and other organizations for project design, implementation, roll-out, and maintenance. - Implement robust analytics and tracking to measure the effectiveness of acquisition efforts. - Work with other backend engineers to integrate with APIs and data sources. - Participate in code reviews and ensure code quality and adherence to best practices. - Stay up-to-date on the latest web development technologies and trends. What We Look For - 2+ years of experience as a full stack developer - Prior experience building and maintaining complex full stack systems with cross-browser support - Familiarity/Exposure to: React Native, Python / Java / Kotlin - Knowledge of modern front-end tech stack (we use Javascript, Typescript, React/Redux, ES6, Webpack, and CSS3) - Prior experience with monitoring and alerting systems (Sentry.io, Rollbar, Chronosphere, Kibana) - Experience with A/B testing and experimentation - A pragmatic, user-focused approach to delivering high-quality features safely and incrementally - A self-driven and motivated engineer who takes pride and ownership in navigating through ambiguities and solving complex technical/organizational problems - Passion for working with cross-functional teams, including product, design, analytics, and business teams - Eager to learn new things and have a growth mindset 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. 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

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. - 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% subsidiz

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. 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. We are seeking a highly motivated Software Engineer II with strong experience in test automation to contribute to Developer Productivity, with a focus on Test Platform Engineering. The Test Infra team empowers developers to efficiently write, run, analyze, and maintain automated tests. The team’s goals include expanding testing capabilities; building and maintaining testing frameworks; optimizing test orchestration; improving post-run reporting; ensuring the performance and reliability of CI pipelines; introducing AI-driven solutions to enhance developer productivity; and promoting best practices for test automation across the organization. As a Software Engineer II in Test Platform Engineering, you will play a key role in building and evolving the core testing infrastructure that supports engineering productivity across the organization. Your work will have a direct impact on how hundreds of engineers develop, validate, and deliver high-quality software. You will focus on designing and maintaining scalable, reliable, and developer-friendly frontend and backend test automation solutions, as well as CI pipelines, enabling teams to deliver changes with confidence and receive fast, actionable feedback. You will collaborate closely with the Engineering Manager and the team in Europe to continuously improve quality. Affirm is growing fast and we want you to enable us to scale our products to 10x and beyond through building world-class systems that enable Affirm in its mission to provide honest financial products that improve lives. What You'll Do: - Own, improve, and maintain integration and E2E test automation frameworks, along with their associated CI pipelines. - Design and implement technical solutions to optimize test execution time and enhance test stability. - Write technical specifications and ADRs, contribute to technical solution design, and collaborate with engineers across the company. - Support engineering teams by assisting with triage requests and sharing best practices for quality assurance and test automation. - Contribute to the evolution of the company’s overall test strategy. - 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. - This role includes participation in an on-call rotation What We Look For: - An East Coast location to enable smoother collaboration with European colleagues. - 3+ years of experience in test automation. - Proficient in both TypeScript and Python. - Hands-on experience with Playwright and Pytest. - Experience in building and optimizing CI pipelines. - Experience with Docker and AWS. - Strong background in quality assurance, test design, and in-depth knowledge of testing techniques and methodologi

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. Our mission to deliver honest financial products that improve lives extends beyond borders. Consumers across the globe need safe, transparent financing. Our retail partners need Affirm to be there for them, wherever that might be. To help achieve this vision, we are expanding our product lines and becoming a global company. The International team is responsible for growing Affirm’s presence & performance with merchants across the globe and building the products & capabilities that enable Affirm to enter into new verticals and markets. As a Group Product Management Manager on the International team, you will drive Affirm’s expansion and growth in the UK and new international markets – from iterating on the product vision, refining the product strategy, developing a roadmap, and leading execution. In this role, you will scale and manage a team of Product Managers owning surface areas across our Purchase Experiences for the UK and new markets, partnering closely with a broad set of cross functional teams to drive International strategy and outcomes across Affirms largest strategic partners. Effective stakeholder management and ability to successfully navigate organizational dynamics are a must for success. You should be commercially minded, be high agency with a bias towards action, and comfortable having technical conversations and opinions. What You'll Do - Drive the execution, growth, and scale of Affirm in the United Kingdom and new international markets - Scale and manage a team of Product Managers, driving a high empowerment and bar-raising culture - Drive success metrics by shipping high impact work that meaningfully moves the needle for Affirm’s business and customers - Partner effectively with engineering teams across the organization to drive product development and prioritization - Collaborate with stakeholders (such as Revenue, Legal, Compliance, Credit, Fraud, etc) to shape your product roadmap and incorporate legal, governance & regulatory oversight into your products - Understand Affirm users and merchants at a deep level -- what’s important to them, what drives their decision making, why they love Affirm, and what they wish we could do better - Identify and create the experiences that make it seamless for strategic partners, platforms, and key merchants to deliver an incredible buy now, pay later experience to consumers What We Look For - This isn’t your first rodeo. You’ve directly managed technical software products from kick-off to post-launch – driving meaningful business impact that you can speak to - You have experience working on consumer technology product in the UK or Europe. Bonus points if it is a fintech product, even more bonus points if it is a BNPL product. - You have managed a high performing team of product managers - You’re equally comfortable diving into technical details with an engineer, iterating on a Figma with a designer, and breaking down a funnel with a data analyst - You have the discipline, organizational skills, and interpersonal com

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. As a Product Marketing Manager, you’ll play a strategic and hands-on role in shaping how merchants experience Affirm’s products. You'll help define our product strategy, lead high-impact go-to-market initiatives, and develop compelling narratives that drive business outcomes. This is a highly cross-functional role that requires strong product intuition, strategic thinking, and a bias for action. You’ll bring deep customer and competitive insights to everything you do, and operate as a true partner to Product, Revenue (including Sales, Customer Success and Enablement), Partnership, and Analytics leadership. What You’ll Do: - Shape Product Strategy Through Insights: Partner closely with Product to shape the roadmap by identifying new opportunities, uncovering unmet customer, merchant, and partner needs, and incorporating feedback loops. Leverage customer research, competitive intelligence, and market trends to inform product development and strategic prioritization. - Lead GTM Strategy and Execution: Own the end-to-end strategy and execution of high-impact GTM initiatives across your product area—from beta to full launch. This includes crafting compelling value propositions, developing segmentation strategies, aligning cross-functional stakeholders, and measuring launch success. Additionally, you will analyze complex data sets to uncover insights that inform segmentation, positioning, and refine product marketing strategies. Drive meaningful business impact through scalable programs that accelerate adoption and growth. - Accelerate Product Adoption and Growth: Design and execute programs that drive merchant engagement and adoption at scale. Collaborate with Sales, Customer Success, Enablement, and Partnership to ensure message consistency. Analyze product adoption to inform optimization strategies and identify growth levers. - Enhance Strategic Client Engagement: Develop messaging and materials for key client-facing moments, including bi-annual roadmap meeting with top merchants. Develop product vision and translate into a compelling external narrative that strengthens partnership, builds trust and drives continued engagement. - Operate with Agility and Drive Execution: Navigate ambiguity with confidence and bring clarity to complex, cross-functional projects. Manage multiple high-priority initiatives simultaneously, anticipate risks, and maintain momentum through thoughtful planning and execution. - Leverage Business and Product Acumen: Develop a nuanced understanding of your product’s functionality, as well as the revenue and cost drivers that impact performance. Use this knowledge to shape GTM and product decisions that align with company objectives. - Collaborate across Teams to Drive Alignment: Build strong relationships across Product, Sales, Customer Success, Analytics, and other key teams. Lead cross-functional meetings, resolve cross-functional dependencies, and ensure tight alignment on GTM plans and product initiatives. - Be a Culture Carrier: Serve as a champion of Affirm’s values and culture, consistently fostering collaboration, transparency, and innovation within the team and across the organization. Lead by example in creating an inclusive and growth-oriented environment, promoting open communication, and encouraging others to take risks and innovat

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 Consumer Servicing team owns the ways customers get help at Affirm — including chat, phone, self-service flows, and the internal tools our agents rely on to deliver fast, empathetic, and effective support. We sit at the intersection of customer experience, operational excellence, and AI-driven transformation. We’re looking for a Group Product Manager to lead our Agent Experience pod: the team responsible for the tools, workflows, and AI-powered capabilities that help our agents support millions of customers with speed, accuracy, and care. This is a player-coach role. You’ll lead and develop a team of 2-3 PMs, own the product strategy for a broad and complex domain, and personally dive into the highest-ambiguity, highest-leverage problems — especially as AI changes what great servicing can look like. What You’ll Do You will: - Set the vision and strategy for Agent Experience — define what world-class agent tooling looks like at Affirm, identify the biggest opportunities across workflows, automation, AI, and internal systems, and translate that vision into a clear, sequenced roadmap. - Lead and develop a team of PMs — manage, coach, and raise the bar for 2 PMs working across the Agent Experience portfolio. Help them sharpen product judgment, navigate ambiguity, improve execution, and grow as product leaders. - Operate as a player-coach — stay close enough to the work to personally lead select high-impact initiatives, especially ambiguous or 0-to-1 efforts where the strategy is still forming, while also creating space for your PMs to own meaningful areas independently. - Drive AI-first transformation in servicing — identify where AI and automation can meaningfully improve agent efficiency, reduce customer friction, improve quality, and scale support without losing the human touch. Lead thinking on build-vs-buy decisions and help the team adopt new ways of building with AI. - Partner deeply with Operations and Servicing leaders — understand frontline workflows, operational pain points, quality drivers, and productivity constraints. Build strong relationships with the teams who run servicing day to day, and turn those insights into product strategy. - Create clarity across a complex portfolio — bring structure to ambiguous problems, make smart tradeoffs across competing priorities, and help the team focus on the highest-impact work for customers, agents, and the business. - Build scalable systems for the long term — guide the team toward durable product and platform decisions that can support a growing business, new contact channels, evolving customer expectations, and increasingly sophisticated automation. - Instrument and manage the business impact — define the right success metrics across customer experience, agent productivity, quality, automation, and operational efficiency. Use data, experimentation, and frontline feedback to continuously improve performance. - Influence across the organization — partner with Engineering, Design, Analytics, Operations, Legal, Compliance, and senior leadership to align priorities, unblock execution, and drive outcomes across teams. What We Look For &l

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. On the Servicing ML team, you will build and improve machine learning and AI systems that automate customer operations such as disputes, returns, fraud, and chargebacks to make the best decisions for Affirm and our customers. You will work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring. What you'll do - You will develop AI systems that automate dispute and chargeback handling using structured evidence and business logic, creating a better experience for our customers. - You will build models that automate refunds, getting money back to our customers faster. - You will build and maintain evidence extraction pipelines that process unstructured data using LLM-powered workflows to produce structured, actionable outputs. - You will prototype new modeling ideas, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls. - You will collaborate across Engineering, Servicing Operations, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences. What we look for - You have a total of 2+ years of experience as a machine learning engineer - Strong Python skills and experience writing production-quality code - Experience building and evaluating models for tabular classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost). - Experience building applications with LLM APIs (e.g., OpenAI, Anthropic), including structured extraction, prompt engineering, and orchestration frameworks like LangChain or LangGraph. - Familiarity with document and unstructured data processing (PDF/image extraction, text parsing, or similar). - Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms). - Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows. - 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. 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,

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. As we build Affirm's advertising platform and evolve Marketplace into a best in class shopping destination, the ability to route and discover is one of the greatest levers for consumer experiences. Search is one of the highest impact surfaces, and we are building a new team that will own not just the recommendations and search experiences, but also explore opportunities to improve customer experience, monetization, and merchant value. This team will help make Affirm the definitive destination consumers turn to for discovery, understanding, comparing, and shopping through Affirm, and will also lay the foundation for an agentic platform. 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 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 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes. · You have experience developing consumer experiences using UI frameworks like React · You have 2+ years of experience working in search or related recommendation engines · 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. · This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Base Pay Grade - P Equity Grade - 13 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 Pacific base pay range (CA, WA, NY, NJ, CT): $230,000 - $290,000 USA Sapphire base pay range (all other U.S. states): $204,00 - $264,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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’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 2.5+ 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 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 - L Equity Grade - 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). POL base pay range per year: 259,000 - 379,000 zł 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 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 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 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. The Powered by Affirm (PBA) team builds the APIs and solutions that power all of Affirm’s integrations with Enterprise Merchants and Partners. We create and manage the APIs and tools that drive checkout and merchant onboarding, and we collaborate with stakeholders to design and build custom end-to-end integrated solutions. 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 designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. · 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. · This position requires either equivalent practical experience or a Bachelor’s degree in a related field. 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 USA base pay range (all other U.S. states) per year: $173,000 - $233,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. ML Feature Platform is one of the two teams that compose the ML Platform at Affirm, the other team being ML Training & Serving Platform. The two platform teams work closely together to create the ML + Data flywheel that empowers Affirm. ML Feature Platform’s mission is to: Grow Affirm’s business by building a delightful, self-serve platform for developing and serving data for machine learning and decisioning. As the feature platform team, we own multiple artifacts that in aggregate own the end-to-end flows for features. This includes: - Feature creation, exploration, and serving - Data storage, availability, and visibility - Offline backfilling infrastructure and platform improvements This scope means your work will have a direct impact on the everyday lives and capabilities for our end users: MLEs, Analysts, and decisioning teams. Additionally as the primary data source for ML and online decisioning, our platform’s performance is critical to Affirm’s availability and latency goals. We’re looking for engineers who are passionate about ML enablement and believe that platform level improvements can bring snowball effects across the company. 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 designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. · 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. This posting is for an existing vacancy. Pay Grade - N 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.) In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). CAN base pay range per year: 153,000 - 213,000 LI-Remote 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. 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. About the Finance team The Finance team ensures Affirm remains financially sound and strategically positioned for growth. Our team manages financial planning, accounting, pricing, vendor management, tax, investor relations, and corporate development. We deliver timely insights, accurate reporting, and careful analysis to support decision-making. From day-to-day financial operations to major investments, we enable sustainable, informed growth by maintaining strong fiscal discipline. About the Role We are looking for a self-motivated and resourceful Bank Controller to join us during a pivotal moment of growth. As Affirm Bank is currently in its formation phase, we are actively building out our foundational team. Reporting to the Bank CFO, the Bank Controller will be central to this effort, playing a key role in the formation and operational build-out of the Bank. The Bank Controller will lead day to day operational duties of the Affirm Bank Accounting Team, including managing the G/L and daily operational flows, ensuring successful integration of our accounting systems and processes into Affirm’s systems and processes, and developing the regulatory function. What You'll Do - Team Leadership & Talent Development: Build and lead the Bank accounting team, providing strategic direction, recruitment, and coaching as we establish the function. - Cross-Functional Partnership: Serve as a primary liaison with Affirm, Inc. cross-functional teams, ensuring effective service delivery under the Intercompany Program Agreement while maintaining the independent oversight necessary for a regulated banking entity. - Financial Reporting: Oversee all monthly reporting to both internal and external stakeholders, including regulatory bodies, ensuring timely completion and submission. - Regulatory Oversight: Build a controlled regulatory reporting function to ensure the timely and accurate preparation of required filings (e.g., FFIEC 041 Call Reports, Part 363 Annual Reports, and Federal Reserve reporting). - Audit Management: Work closely with our external auditors to coordinate the completion of the annual Bank financial statement audit. - Process Automation: Work with our engineering and product teams to evaluate, improve, and implement various tools to drive accounting/reporting automation. - Strategic Analysis: Manage other processes and functions, including financial analysis and projects as required. What We Look For - Accounting designation such as CPA or CA - Minimum 10 years relevant experience in Accounting, Finance or Treasury-related areas - Minimum 5 years of people management experience - Experience building out the appropriate tools and processes, and scaling an Accounting team in a similar industry - Extensive knowledge of GAAP, Regulatory reporting - Proven analysis, cash management, and modeling experience - Extremely detail oriented and a natural critical thinker - Strategic, goal driven, focused, with a “can-do” attitude Base Pay Grade - M Equity Grade - USA 10 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: $185,000 - $245,000 USA base pay range (all other U.S. states) per year: $164,000 - $224,000 Please note that visa sponsorship is not available for this position. 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. About the Team: People Tech & Analytics (PTA) builds and owns the data, AI, and technology infrastructure for Affirm's People function. The team runs like a product engineering group embedded in HR. We own the full stack: data ingestion, transformation, dashboards, AI tools, and production applications deployed on Snowflake. About the Role: This is a hands-on engineering role. You will build, deploy, and maintain AI-powered systems that serve the People function and the broader employee base. The work is taking messy business problems (fragmented knowledge, manual processes, disconnected tools) and turning them into working software: agents, APIs, applications, and infrastructure. You will work closely with partners across the People function who own domain expertise and stakeholder relationships. Your job is to turn their rough applications and processes into production systems, and to push back when a technical constraint changes what's possible. This is not a pure backend role. You will be in the room when business problems are being scoped, and you need to understand the problem well enough to make architecture decisions on your own. You also need to take what you build and get it running in production. Hosting, security, deployment, and ongoing maintenance are all part of the job. What You'll Do: - Build and ship AI agents, APIs, and applications on Affirm's internal platform (Snowpark Container Services / Quicksilver). You own the full lifecycle: architecture, containerization, networking, secrets, CI/CD, monitoring, and fixing what breaks. - Turn messy business requirements from People Operations stakeholders into production systems. Integrate with Workday, Notion, and case management tools so AI surfaces real answers from governed content, not model guesses. - Navigate Affirm's existing security and data governance infrastructure to get AI systems running safely on people data. RBACs, data classification, and access policies already exist, but connecting them across systems (Workday, Snowflake, case tools) is where it gets messy. You figure out what's allowed, build within those constraints, and make sure employee data stays where it's supposed to. - Design reliability infrastructure for multi-model LLM services. Structured output validation, fallback chains, circuit breakers for external APIs, and quality controls that catch hallucination before users see it. - Work directly with non-technical stakeholders to scope problems, make architecture decisions, and give honest assessments of what AI can and can't do. You translate in both directions. - Contribute to the team's shared Python codebase, dbt models, and Snowflake infrastructure as part of a small, full-stack team that ships fast. - Own what you build. When something breaks in production, you diagnose and fix it. What We're Looking For: - Software engineering foundation. You have built, deployed, and maintained production applications. You understand version control (Git/GitHub), CI/CD pipelines, containerization, and what it takes to keep software running, not just written. - Systems thinking and technical architecture. You und

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. About the Product team The Product team listens to our customers’ needs and translates those insights into a clear product vision. The team works closely with design, engineering, and analytics to build scalable financial products that empower people to manage their money with confidence. We rely on empathy, curiosity, and business sense to prioritize features and improve experiences. Our role is to lead with clarity, support cross-functional execution, and champion the user in every decision. About the role The Chief of Staff to the SVP of Product is the strategic thought partner and proxy to the leader. The role exists to scale the product leadership function: by anchoring on the leveraged people problems most central to the org, by owning the external product narrative end-to-end, and by being on point for strategic bets that need a single accountable owner (ex: AI enablement, special projects). The end goal is a healthy Product org with pillar leads running independently at high quality, decisions made with less latency, and a clearer story about where Product is going, and why. What you’ll do - Design and run the product leadership team’s rhythms (staff meetings, product reviews, all-teams, offsites): agenda architecture, pre-reads, decision capture, follow-through - Co-own the people rhythms with the HRBP across hiring, calibrations, performance, and talent reviews. Surface emergent structural risks (broken hiring funnels, attrition signals, single points of failure) with proactive solutions - Partners with Technology Operations function to define and improve processes for roadmap planning, driving prioritization decisions, setting annual OKRs and tracking progress to goals throughout the year - Own headcount planning and budget management alongside the Finance and HR Business Partners: annual planning, quarterly reforecasts, hire-prioritization tradeoffs - Drive AI retooling and enablement, including running internal AI masterclasses for leadership and natively embedding AI-enabled processes across the function - Curate the external product narrative (all-hands, written updates, major external talks): operate as a speechwriter, partnering with PR, comms, and brand - Prepare executive briefings and leadership communications, and reduce decision latency across the Product leadership team - Run a recurring org health pulse (engagement scores, regrettable attrition, leveling drift, manager effectiveness), escalating early signals before they become structural problems What you’ll bring - 10+ years in roles that built product credibility and strategic-narrative chops: strategy with deep product partnership, or a prior CoS role to a senior product or engineering executive at a high-growth tech company - A track record of running people processes at scale (hiring, calibrations, leveling, talent reviews) in a fast-growing organization - Exceptional written communication: you can ghostwrite, synthesize narrative from raw inputs, and draft a board page that holds up under scrutiny - Pattern-matching for organiza

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. As we build Affirm's advertising platform and evolve Marketplace into a best in class shopping destination, the ability to route and discover is one of the greatest levers for consumer experiences. Search is one of the highest impact surfaces, and we are building a new team that will own not just the recommendations and search experiences, but also explore opportunities to improve customer experience, monetization, and merchant value. This team will help make Affirm the definitive destination consumers turn to for discovery, understanding, comparing, and shopping through Affirm, and will also lay the foundation for an agentic platform. 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 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 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes. · You have experience developing consumer experiences using UI frameworks like React · You have 2+ years of experience working in search or related recommendation engines · 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. Base Pay Grade - P Equity Grade - 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 me

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 Ledger Engineering team enables rapid financial product innovation by providing an audit-grade ledger platform that ties ambitious company growth to a highly regulated industry's real-world accounting controls. We are passionate about building robust, fault-tolerant, highly scalable systems that enable us to be on-time and precisely accurate in every financial interaction we have both with our consumers and institutional finance partners. Ledger Engineering works with our finance partners to support everything from closing our monthly books to annual audits. We bridge the technical gap between data, strategy, and the thorough level of accounting detail required to operate a publicly-traded company. Outside of accounting, we partner with the Capital Markets team to help open our business to investors who require a similar forensic level of reporting. 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 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 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes. · You have experience in financial systems, ledgering, treasury or adjacent domains where data accuracy and system reliability are critical. · 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. · This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Base Pay Grade - P Equity Grade - USA 13 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: $230,000 - $290,000 USA base pay range (all other U.S. states) per year: $204,000 - $264,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. Affirm’s Identity team is mission-critical to the customer checkout experience. When a customer chooses Affirm, one of the first steps is an identity check, and our ability to make the right decision directly impacts conversion, revenue, fraud exposure, and regulatory compliance. Our team owns Identity for all markets outside North America, playing a key role in Affirm’s international expansion. We are responsible for KYC, user lifecycle management, and identity decisioning across multiple regulatory environments. This work is about shaping how Affirm adapts its core Identity platform to new market dynamics, customer expectations, and compliance requirements. We are a team of six engineers based across Spain and Poland. We are looking for a Senior Software Engineer who can turn ambiguous business and customer problems into reliable, well-designed technical solutions. In this role, you will help shape our quarterly technical direction, translate team goals into concrete projects, and identify cross-cutting risks, tradeoffs, and opportunities. You should be comfortable designing across system boundaries, driving collaboration with partner teams, and advocating for technical investments that improve long-term execution. We’re looking for someone who takes ownership beyond shipping code: raising code quality and review standards, making performance, availability, and scale tradeoffs explicit, and improving the operational health of the systems they own. You’ll help reduce toil, create useful playbooks, mentor engineers, support new hires and interns, and contribute to high-signal hiring. Most importantly, we’re excited to work with someone who leaves things better than they found them, communicates clearly across audiences, uses customer feedback to influence technical plans, and helps the team continuously improve. This is a high-visibility, high-impact role for someone who wants to work on foundational systems that directly enable Affirm’s global growth. 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 designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have a track record of developing highly available distributed systems using technologies like AWS, MySQL and Kubernetes. · 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. 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 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud - both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our buyers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America - including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. The Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud - both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our customers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. The Fraud International Team (FIT) leads the engineering effort to extend Affirm's Fraud Decisioning System into markets beyond the US - Canada, the UK, Australia, and growing rapidly. We own real-time fraud decisioning for these markets, integrate region-specific risk vendors, and are building the platform that lets Affirm stand up fraud protection in a new country quickly and safely. As Affirm expands globally, FIT scales with it. We're looking for a Senior Software Engineer to join our fully remote team based in Europe. You'll collaborate closely with stakeholders across North America - including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. What You'll Do - You will own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. - You will design and implement real-time fraud decisioning services and APIs in Python or Kotlin, extending Affirm's Fraud Decisioning System to markets beyond the US. - You will build and evolve the platform and tooling that let Affirm launch fraud decisioning in a new country quickly—turning market-by-market setup (rules, models, and vendor configuration) into a repeatable, low-friction path so launches scale sub-linearly with the number of markets. - You will integrate region-specific fraud and risk vendors and help operationalize the machine learning and AI signals that power real-time decisioning, while using modern AI tooling to move faster as an engineer. - You will support peers and stakeholders across the product development lifecycle - collaborating with Product, Machine Learning, Analytics, and Fraud Strategy, articulating technical constraints, and partnering on decisions that properly weigh risks and trade-offs. - You will support the operations and availability of your team's systems by creating and monitoring metrics, escalating when needed, and contributing to keep-the-lights-on and on-call efforts. - You will foster a culture of quality and ownership - setting and improving code review and design standards, mentoring teammates, and leading by example. - On-Call Rotation - There would be an on-call rotation for this role as a requirement. What We Look For - 5+ years of experience building backend systems at scale using Python or Kotlin. - Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. - Strong system design skills and a track record of delivering maintainable, extensible services. - Fluency with AI-driven engineering - every Affirm engineer builds with tools like Claude Code and most PRs are co-authored with AI, so directing and orchestrating AI and excelling in the reviewer's seat (setting intent, critically evaluating generated code, and owning its correctness, quality, and security) is a core expectation. - Proficiency in SQL and working with data-rich environments. - Familiarity with CI/CD practices and safe production deployments. - Strong written and verbal communication skills, especially in distributed teams. - A proactive, ownership-driven mindset with a focus on learning and team success. - Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have) - Background in fraud prevention, risk systems, or real-time decisioning (nice to have) - Experience building for multiple markets or regions - internationalization or localization (nice to have) - Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints. (nice to have) Compensation & Benefits Base 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 We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role. Location - Remote Spain 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. On the ML Fraud team, you’ll build and improve machine learning systems that make real-time transaction decisions, protecting consumers and merchants while balancing fraud loss, customer experience, and conversion. You’ll work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as fraud patterns evolve. What you’ll do - You will lead development of new fraud prediction models using a mix of approaches for tabular, graph, and behavioral data - You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed. - You will prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls. - You productionize models: integrate into batch and/or real-time decision systems, and improve reliability, latency, and operational robustness. - You will instrument and monitor model and data health, and help define retraining/backtesting workflows as fraud patterns evolve. - Identify and implement foundational improvements to how the team builds models. - You will collaborate across Engineering, Fraud Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences. What we look for - You have 6+ years experience researching, training, tuning and launching ML models at scale. Relevant PhD can count for up to 2 years of experience. - Track record of delivering high impact machine learning models in a low latency live setting - Strong Python skills and experience writing production-quality code. - Experience building and evaluating models for tabular classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost, or similar). - Experience with a deep learning framework (PyTorch preferred). - Experience working with distributed data processing or parallel compute frameworks (Spark preferred; Ray/Dask or similar). - Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms). - Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows. - 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. Pay Grade - N 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 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: $153,000 - $213,000 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 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. About the Finance team The Finance team ensures Affirm remains financially sound and strategically positioned for growth. Our team manages financial planning, accounting, pricing, vendor management, tax, investor relations, and corporate development. We deliver timely insights, accurate reporting, and careful analysis to support decision-making. From day-to-day financial operations to major investments, we enable sustainable, informed growth by maintaining strong fiscal discipline. About the team The Merchant Pricing team makes crucial decisions that directly impact Affirm’s top and bottom line. Our team analyzes and structures deal economics to ensure we drive sustainable and profitable growth. We monitor merchant / platform performance not just to report on it, but to constantly optimize the offerings and take / inform further actions when needed. We take ownership of the deals economics through the lifecycle, ensuring Affirm grows efficiently and profitably. The Merchant Pricing team is looking for an Analytics Lead, Full Stack to support our next phase of growth by expanding into international markets. In this role, you will define pricing strategy, drive go-to-market initiatives, perform pricing & economical analysis, and work closely with our Strategic Partnerships, Product, Credit, Finance, Capital Markets, and Engineering teams. You should combine exceptional problem solving and analytical skills, and deep knowledge of lending and/or payments space. What you’ll do - Work with various cross-functional teams to understand market dynamics, define pricing strategy, structure new platform deals, perform economic analyses, and collaborate on new markets expansion - Leverage industry research, market report and other proprietary research to understand market sizing, merchant / consumer preferences and product market fit - Draw insights from performance data, design and test new pricing constructs to optimize portfolio performance and economics - Work closely with cross-functional teams on international market deals - Monitor, experiment, optimize and iterate international markets pricing / offering What we look for - Strong sense of ownership, intellectual curiosity and an ability to think creatively and critically and thrive in a fast-paced, dynamic, collaborative and often ambiguous work environment - 6+ years experience in a fast-paced analytical role (pricing, consulting, finance, risk, lending, investment banking, deal desk, etc) - Strong analytical skills, proficient with analytical tools (Excel, Snowflake, Sigma) and script languages (SQL, Python or others) - Strong curiosity and bias toward leveraging AI tools to accelerate analysis, automate workflows, and increase personal and team productivity - High attention to detail but an equally important ability to see the big picture and evaluate analyses with strategic business context Base Pay Grade - M Equity Grade - 8 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: $185,000 - $245,000 USA base pay range (all other U.S. states) per year: $164,000 - $224,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 Ledger Engineering team enables rapid financial product innovation by providing an audit-grade ledger platform that ties ambitious company growth to a highly regulated industry's real-world accounting controls. We are passionate about building robust, fault-tolerant, highly scalable systems that enable us to be on-time and precisely accurate in every financial interaction we have both with our consumers and institutional finance partners. Ledger Engineering works with our finance partners to support everything from closing our monthly books to annual audits. We bridge the technical gap between data, strategy, and the thorough level of accounting detail required to operate a publicly-traded company. Outside of accounting, we partner with the Capital Markets team to help open our business to investors who require a similar forensic level of reporting. 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 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 8+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, Spark and Kubernetes. · You have experience in financial systems, ledgering, treasury or adjacent domains where data accuracy and system reliability are critical. · 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. 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. Base Pay Grade - P Equity Grade - Canada 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). CAN base pay range per year: $181,000 - $241,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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 Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud - both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our buyers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America - including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. The Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud - both in real time and after the transaction. Our mission is to support business growth while protecting Affirm, our customers, and our merchants. We evaluate risk at critical decision points in the user journey, rapidly adapt to evolving fraud patterns, and equip operations teams with the tools needed to investigate and mitigate fraud at scale. The Fraud International Team (FIT) leads the engineering effort to extend Affirm's Fraud Decisioning System into markets beyond the US - Canada, the UK, Australia, and growing rapidly. We own real-time fraud decisioning for these markets, integrate region-specific risk vendors, and are building the platform that lets Affirm stand up fraud protection in a new country quickly and safely. As Affirm expands globally, FIT scales with it. We're looking for a Senior Software Engineer to join our fully remote team based in Europe. You'll collaborate closely with stakeholders across North America - including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. What You'll Do - You will own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. - You will design and implement real-time fraud decisioning services and APIs in Python or Kotlin, extending Affirm's Fraud Decisioning System to markets beyond the US. - You will build and evolve the platform and tooling that let Affirm launch fraud decisioning in a new country quickly—turning market-by-market setup (rules, models, and vendor configuration) into a repeatable, low-friction path so launches scale sub-linearly with the number of markets. - You will integrate region-specific fraud and risk vendors and help operationalize the machine learning and AI signals that power real-time decisioning, while using modern AI tooling to move faster as an engineer. - You will support peers and stakeholders across the product development lifecycle - collaborating with Product, Machine Learning, Analytics, and Fraud Strategy, articulating technical constraints, and partnering on decisions that properly weigh risks and trade-offs. - You will support the operations and availability of your team's systems by creating and monitoring metrics, escalating when needed, and contributing to keep-the-lights-on and on-call efforts. - You will foster a culture of quality and ownership - setting and improving code review and design standards, mentoring teammates, and leading by example. What We Look For - 5+ years of experience building backend systems at scale using Python or Kotlin. - Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. - Strong system design skills and a track record of delivering maintainable, extensible services. - Fluency with AI-driven engineering - every Affirm engineer builds with tools like Claude Code and most PRs are co-authored with AI, so directing and orchestrating AI and excelling in the reviewer's seat (setting intent, critically evaluating generated code, and owning its correctness, quality, and security) is a core expectation. - Proficiency in SQL and working with data-rich environments. - Familiarity with CI/CD practices and safe production deployments. - Strong written and verbal communication skills, especially in distributed teams. - A proactive, ownership-driven mindset with a focus on learning and team success. - Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have) - Background in fraud prevention, risk systems, or real-time decisioning (nice to have) - Experience building for multiple markets or regions - internationalization or localization (nice to have) - Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints. (nice to have) Compensation & Benefits Base 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). POL base pay range per year: 308,000 zł - 428,000 zł 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 This role is eligible for creative tax benefits, subject to applicable law 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 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. Affirm’s International Compliance team designs and implements compliance programs that proactively address regulatory requirements while identifying and mitigating compliance risks. As a second line of defence function, Compliance partners closely with the business to support new products, markets, and strategic initiatives while strengthening controls and delivering strong consumer outcomes. As Regulatory Compliance Manager, Australia, you will lead the Australian regulatory compliance program. You will translate global compliance strategy into local execution, ensure applicable Australian regulatory and licensing obligations are met, and support responsible growth and strong consumer outcomes. What You’ll Do Australian Regulatory Program Ownership - Own and oversee the Australian regulatory compliance framework for consumer credit and related financial services, including the National Consumer Credit Protection Act, National Credit Code, Privacy Act,, applicable licence conditions, and associated regulatory guidance. - Maintain documented compliance arrangements that support Australian credit licence obligations and keep pace with regulatory change, including the rules applying to buy now pay later (low cost credit contracts) and consumer credit. - Lead ASIC examinations, inquiries, information requests, licence interactions, and other supervisory engagement. - Oversee timely and accurate regulatory notifications and reporting, including reportable situations, internal dispute resolution data, licence updates, and other applicable filings. Risk Management & Controls - Maintain the Australian regulatory obligations register and compliance risk assessment process, with clear ownership, controls, monitoring, and evidence. - Set remediation priorities and oversee root-cause analysis, corrective actions, consumer remediation, and sustainable control improvements - Monitor compliance metrics and risk indicators across responsible lending, product governance, complaints, hardship, collections, disclosures, marketing, and consumer outcomes. - Assess incidents and breaches, oversee reportability decisions, and escalate material regulatory risks through local and global governance channels. People Leadership - Manage, coach, and develop a junior compliance professionals - Set performance objectives aligned to global compliance priorities - Allocate resources and manage workload across the function - Drive accountability and performance management Governance & Strategy Execution - Translate global compliance strategy into Australian operational plans that reflect local laws, licence conditions, ASIC guidance, and regulatory priorities - Prepare reporting for executive leadership and risk governance committees - Own the regulatory change process from horizon scanning and impact assessment through implementation, assurance, and evidence of compliance - Assess governance structures and recommend enhancements where needed Cross-Functional Partnership - Partner with Product, Legal, Credit, Marketing, Servicing and Operations, Privacy, Analytics and Engineering teams - Provide practical regulatory guidance and challenge for new products and business initiatives, including licensing, responsible lending, product design and distribution, disclosures, complaints, hardship, collections, privacy, and advertising - Influence complex compliance decisions affecting Australian strategy, customer journeys, product governance, and consumer outcomes Scope & Impact - Manages a compliance team within Australia - Accountable for execution and continuous improvement of the Australian regulatory compliance program - Exercises discretion in operational planning and resource allocation - Decisions affect Australian licensing, regulatory posture, product and conduct risk, and consumer outcomes - Impact horizon typically up to one year What We Look For Experience: - 8+ years of regulatory compliance experience in an Australian regulated financial services, consumer credit, payments, or fintech environment. Prior people management experience required. Expertise: - Strong working knowledge of Australian consumer credit and conduct regulation, ASIC expectations, Australian credit licensing, responsible lending, product governance, complaints and breach-reporting requirements. Ability to translate regulatory interpretation into practical business decisions. Leadership Capability: - Demonstrated experience managing teams, setting priorities, and driving program execution. Technical Skills: - Experience leading regulatory change, obligations management, compliance monitoring and testing, breach and reportable-situations processes, complaints oversight, regulatory reporting, and remediation programs. Attributes: - Strong judgment and decision-making capability - Ability to influence senior stakeholders - Clear and concise executive communication skills - Ability to operate effectively in a fast-paced fintech environment Education: - Bachelor’s degree required; relevant legal, compliance, risk, governance, or financial services qualification preferred. Base Pay Grade - L Equity Grade - Australia 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). AUD base pay range per year: $135,000 - $205,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience! About the Risk & Analytics Team: The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm’s business strategy. We partner with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow Affirm responsibly by optimizing approval, conversion, losses, and profitability. Operating across the entire customer and merchant lifecycle, we tackle a diverse array of challenges from optimizing checkout conversion and mitigating fraud risk, to building scalable data foundations and enabling international growth. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools, scalable data infrastructure, and analytical frameworks. We improve the analytics experience across Affirm by streamlining workflows and fostering a culture of learning and documentation. By taking ownership of the entire analytical lifecycle, from initial question to final business decision, we turn complex data and systems into clear, actionable signals that ensure Affirm grows efficiently and intelligently. Our Teams (Where You Might Sit): Candidates hired into the R&A organization will be sorted into a core team based on business need and background. Our primary domains include: - Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel. - Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences. - Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience. - Core Analytics: Build the quantitative research, performance monitoring, and scalable data foundations that enable fast, economically sound decisions. - Servicing: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency. - International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets. About the Role As a Senior Analyst (L5), you will operate with autonomy to own the entire analytical lifecycle—from initial question to final business decision. You bring exceptional analytical rigor, deep domain expertise, and the ability to translate complex regulatory, economic, and machine learning insights into actionable business strategies. You thrive in ambiguity, balance growth with resilience, and are comfortable operating at both strategic and execution levels to influence stakeholders across technical and non-technical teams. What You Will Do - Optimize End-to-End Strategy: Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies. - Manage Macro & Market Trends: Monitor portfolio performance and exogenous macroeconomic trends; proactively adjust analytical and operational strategies to mitigate risk and balance growth. - Model & Capability Building: Partner deeply with Engineering and ML teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models. - Cross-Functional Leadership: Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them directly into analytical policy and product design recommendations. - Oversee Frameworks & Launches: Oversee the development and execution of analytical frameworks. Drive cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations. - External & Strategic Alignment: Engage with external stakeholders including merchants, vendors, and partners to align practices, ensure compliance, and strengthen strategic relationships. - AI Leverage & Mentorship: Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances. What We Look For - 2–5 years of proven experience in an analytically-driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies. - Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field. - Advanced proficiency in SQL, Python, or other scripting languages. - Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems. - Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align analytical strategies with business objectives. - Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape influencing policy and growth. - Demonstrated ability to translate complex regulatory and economic insights into actionable strategies. - Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions. Pay Grade - K 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 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). USA base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000 USA base pay range (all other U.S. states) per year: $128,000 - $188,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. 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. We are seeking a highly motivated Software Engineer II with strong experience in test automation to contribute to Developer Productivity, with a focus on Test Platform Engineering. The Test Infra team empowers developers to efficiently write, run, analyze, and maintain automated tests. The team’s goals include expanding testing capabilities; building and maintaining testing frameworks; optimizing test orchestration; improving post-run reporting; ensuring the performance and reliability of CI pipelines; introducing AI-driven solutions to enhance developer productivity; and promoting best practices for test automation across the organization. As a Software Engineer II in Test Platform Engineering, you will play a key role in building and evolving the core testing infrastructure that supports engineering productivity across the organization. Your work will have a direct impact on how hundreds of engineers develop, validate, and deliver high-quality software. You will focus on designing and maintaining scalable, reliable, and developer-friendly frontend and backend test automation solutions, as well as CI pipelines, enabling teams to deliver changes with confidence and receive fast, actionable feedback. You will collaborate closely with the Engineering Manager and the team in Europe to continuously improve quality. Affirm is growing fast and we want you to enable us to scale our products to 10x and beyond through building world-class systems that enable Affirm in its mission to provide honest financial products that improve lives. What You'll Do: - Own, improve, and maintain integration and E2E test automation frameworks, along with their associated CI pipelines. - Design and implement technical solutions to optimize test execution time and enhance test stability. - Write technical specifications and ADRs, contribute to technical solution design, and collaborate with engineers across the company. - Support engineering teams by assisting with triage requests and sharing best practices for quality assurance and test automation. - Contribute to the evolution of the company’s overall test strategy. - 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. - This role includes participation in an on-call rotation What We Look For: - An East Coast location to enable smoother collaboration with European colleagues. - 3+ years of experience in test automation. - Proficient in both TypeScript and Python. - Hands-on experience with Playwright and Pytest. - Experience in building and optimizing CI pipelines. - Experience with Docker and AWS. - Strong background in quality assurance, test design, and in-depth knowledge of testing techniques and methodologies. - Excellent communication and collaboration skills, both verbal and written, with proficiency in asynchronous communication methods such as tech specs, RFCs, wikis, and project plans. - Experience in building or enhancing test automation frameworks and infrastructure is highly desirable. - Mobile, infrastructure and performance test automation experience will be considered a significant advantage. - Eager to grow and continuously learn new skills. - 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 - 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 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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. About the Finance team The Finance team ensures Affirm remains financially sound and strategically positioned for growth. Our team manages financial planning, accounting, pricing, vendor management, tax, investor relations, and corporate development. We deliver timely insights, accurate reporting, and careful analysis to support decision-making. From day-to-day financial operations to major investments, we enable sustainable, informed growth by maintaining strong fiscal discipline. About the team The Merchant Pricing team makes crucial decisions that directly impact Affirm’s top and bottom line. Our team analyzes and structures deal economics to ensure we drive sustainable and profitable growth. We monitor merchant / platform performance not just to report on it, but to constantly optimize the offerings and take / inform further actions when needed. We take ownership of the deals economics through the lifecycle, ensuring Affirm grows efficiently and profitably. The Merchant Pricing team is looking for an Analytics Lead, Full Stack to support our next phase of growth by expanding into international markets. In this role, you will define pricing strategy, drive go-to-market initiatives, perform pricing & economical analysis, and work closely with our Strategic Partnerships, Product, Credit, Finance, Capital Markets, and Engineering teams. You should combine exceptional problem solving and analytical skills, and deep knowledge of lending and/or payments space. What you’ll do - Work with various cross-functional teams to understand market dynamics, define pricing strategy, structure new platform deals, perform economic analyses, and collaborate on new markets expansion - Leverage industry research, market report and other proprietary research to understand market sizing, merchant / consumer preferences and product market fit - Draw insights from performance data, design and test new pricing constructs to optimize portfolio performance and economics - Work closely with cross-functional teams on international market deals - Monitor, experiment, optimize and iterate international markets pricing / offering What we look for - Strong sense of ownership, intellectual curiosity and an ability to think creatively and critically and thrive in a fast-paced, dynamic, collaborative and often ambiguous work environment - 6+ years experience in a fast-paced analytical role (pricing, consulting, finance, risk, lending, investment banking, deal desk, etc) - Strong analytical skills, proficient with analytical tools (Excel, Snowflake, Sigma) and script languages (SQL, Python or others) - Strong curiosity and bias toward leveraging AI tools to accelerate analysis, automate workflows, and increase personal and team productivity - High attention to detail but an equally important ability to see the big picture and evaluate analyses with strategic business context Base Pay Grade - M 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. 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: $145,000 - $205,000 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 stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses - Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge - ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.