Pay & benefits

What you'll get

Base Pay Grade - L

Equity Grade - Spain 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: €73,000 - €109,000

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

The role

At Affirm, we exist for the moments that matter-giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

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

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

What you'll do

With the support of your team's tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work.
You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
You will support the operations and availability of your team's artifacts by creating and monitoring metrics, escalating when needed, and supporting "keep the lights on" & on-call efforts.
You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process.
On-Call Rotation - There would be an on-call rotation for this role as a requirement.

What We Look For

You have a total of 2+ years of experience as a software engineer.
You have experience designing, developing and launching backend systems and are proficient in one of Python or Kotlin.
You are familiar with the building blocks of distributed systems, and technologies like AWS, MySQL and Kubernetes.
You write high quality code that is easily understood and used by others.
You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
You have strong verbal and written communication skills that support effective collaboration with our global engineering team.

We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.

How you'll work

Remote-first with flexibility built in
Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Benefits designed for you
Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

Location - Remote Spain

Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

We're committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we're happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.

About Affirm

Affirm is a leading financial technology company that provides buy now, pay later (BNPL) services, enabling consumers to make purchases and pay over time with transparent, fixed payments. Founded in 2012 by Max Levchin, the company has grown into a major player in the fintech space, partnering with over 300,000 merchants, including major retailers like Amazon and Shopify. Affirm's platform offers point-of-sale loans, virtual cards, and savings products, and it is known for its focus on transparency and consumer-friendly financial solutions.

Affirm has established a significant engineering hub in Madrid, Spain, which serves as a key international technology center for the company. The Madrid office focuses on backend, fullstack, and mobile engineering, with roles spanning fraud prevention, card services, and international identity. The company's culture emphasizes collaboration, innovation, and a commitment to financial inclusion, making it an attractive employer for international tech professionals. Affirm offers competitive compensation, equity, and a flexible work environment, and it actively hires globally, with many roles in Spain open to English-speaking candidates.

Industry: Fintech
Founded: 2012
Employees: 1,000–5,000
Headquarters: San Francisco, USA
In Spain: Madrid
Website: https://jobeax.com/link/U60YX8KDrsqKUziw

Good to know if you are moving

Affirm's Madrid office is a major engineering hub, with many roles in backend, fullstack, and mobile development, offering opportunities for international engineers.
The company is publicly traded on the NASDAQ (AFRM) and has a strong brand in the fintech sector, which can be a plus for career growth.
Affirm offers competitive benefits, including equity, health insurance, and flexible working arrangements, which are attractive for relocating professionals.
English is commonly used in the Madrid office, making it accessible for non-Spanish speakers, though some roles may require Spanish for local market focus.
Affirm has a global presence with offices in the US, Canada, and Europe, providing potential for internal mobility across regions.

All open roles at Affirm

Software Engineer II, Backend (Card)

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