Full-Time
Software Engineer 2
Backend, Merchant Data Platform
Posted on 9/19/2025
Affirm
1,001-5,000 employees
BNPL fintech offering merchant installment financing
Compensation Overview
€71k - €101k/yr
Remote in Spain
Remote
Candidates must be based in Spain for the role.
 Software Engineering (1) |
|---|
- * 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 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.
- * 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.
Affirm provides point-of-sale financing (BNPL) for consumers and merchants in e-commerce and retail. At checkout, customers can pay over time through installment plans with transparent pricing and no hidden deferred interest in many cases. It integrates with online stores, mobile apps, and in-store checkout via plugins and APIs, and merchants can use a dashboard to process transactions and access marketing tools. Revenue comes from interest and fees on loans and from merchants who pay to offer Affirm financing, setting it apart from traditional credit cards and other BNPL providers by emphasizing installment-based, predictable repayment.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
Simplify's Take
What believers are saying
- 39% GMV growth from Amazon renewal and Lowe's, Expedia partnerships.
- Stripe expansion supports AI agent purchases via Shared Payment Tokens.
- UK Virgin Media O2 deal boosts Europe entry post-2025 launch.
What critics are saying
- Klarna captures 25% more merchants with 0% APR, cuts Affirm GMV to 20%.
- Amazon exit slashes 25% revenue as largest partner drives 20-30% GMV.
- UK FCA rules reject 15-20% more loans, halve Virgin Media rollout GMV.
What makes Affirm unique
- Affirm delivers transparent BNPL loans without late fees or compounding interest.
- Real-time ML underwriting prices risk per transaction for adaptive pricing.
- Affirm Card enables Visa payments anywhere, driving 16% of GMV.
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Benefits
Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
Supportive communities: Get involved with our employee resource groups and community groups
Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country
Generous time off: Take the time you need when life happens
Health benefits: Get a plan that fits your needs
Mental healthcare: Take care of your mind with great mental health programs
Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.
Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.
Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.
Learning & development: Engage in exciting learning programs to level up your growth.
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↓ -3%2 year growth
↑ 0%Why Affirm (AFRM) is up 8.9% after rising analyst optimism and Investor Forum anticipation. April 04, 2026 * Over the past week, Affirm Holdings has drawn fresh attention as analyst views, earnings projections, and technical indicators all shifted in a more optimistic direction, suggesting changing sentiment around its role in the buy-now-pay-later and embedded payments space. * Investor focus is also building ahead of Affirm's May 12, 2026 Investor Forum, where management plans to update its medium-term vision, product roadmap, and financial framework, potentially clarifying how current momentum aligns with longer-term business ambitions. * With analysts now highlighting very large near-term EPS growth expectations, we'll examine how this renewed optimism influences Affirm's existing investment narrative. Affirm Holdings investment narrative recap. To own Affirm, you need to believe its transition from a pure BNPL lender to a broader embedded payments network will justify today's high earnings multiple and margin profile. The latest analyst upgrades, sharp EPS estimate hikes, and short term technical strength may reinforce that view, but they do not materially change the near term focus on replacing a soon to be lost enterprise merchant and managing credit quality in a still uncertain consumer backdrop. What does feel more consequential is Affirm's upcoming May 12, 2026 Investor Forum. That event should give clearer detail on how management sees the revenue and margin mix evolving across products like the Affirm Card, 0% APR offers, and newer platform partnerships, helping investors judge whether current earnings expectations and higher analyst targets are sustainable or simply catching up with recent share price momentum. Yet beneath the optimism, investors should also be aware of the concentration risk if a major merchant relationship were to suddenly change or go away... Affirm Holdings' narrative projects $6.0 billion revenue and $756.6 million earnings by 2028. This requires 22.9% yearly revenue growth and about a $704 million earnings increase from $52.2 million today. Exploring other perspectives. While recent EPS optimism is encouraging, the most pessimistic analysts were only assuming about US$6.9 billion of revenue and US$638 million of earnings by 2029, reminding you that expectations can differ sharply and may shift again as new data on competition and regulation comes in. Explore 10 other fair value estimates on Affirm Holdings - why the stock might be worth 36% less than the current price! Reach your own conclusion. Don't just follow the ticker - dig into the data and build a conviction that's truly your own. * A great starting point for your Affirm Holdings research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision. * Our free Affirm Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Affirm Holdings' overall financial health at a glance. Ready to venture into other investment styles? Our top stock finds are flying under the radar-for now. Get in early: * Rare earth metals are the new gold rush. Find out which 26 stocks are leading the charge. * We've uncovered the 13 dividend fortresses yielding 5%+ that don't just survive market storms, but thrive in them. * Capitalize on the AI infrastructure supercycle with our selection of the 36 best 'picks and shovels' of the AI gold rush converting record-breaking demand into massive cash flow. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. New: manage all your stock Portfolios in one place. - Connect an unlimited number of Portfolios and see your total in one currency - Be alerted to new Warning Signs or Risks via email or mobile - Track the Fair Value of your stocks Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]
UATP Airline Distribution: aviation faces inflection point as agentic commerce takes off. Travel is at another inflection point thanks to agentic AI and airlines were encouraged to embrace the technology to provide clarity, transparency and consistency. Ruth Spratt, UK country manager for Affirm and former European head of sales at easyJet, was speaking at last week's UATP Airline Distribution conference in Barcelona. She said customers are looking for flexibility and want content that's discoverable, a journey that's clear, and, importantly do not want to be faced with any hidden costs. A survey Affirm conducted among 2,000 millennials found 78% want flexible payment options and 70% said that would determine their choice of airline. "It's not a new form of payment, it's an expected form of payment," she said. This did not surprise Aviation Business News. Aviation Business News believe this is the right thing for consumers." Spratt said Affirm, which was founded by PayPal co-founder Max Levchin, is embracing AI and very positive about the benefits it will bring. "AI is already out there; 25% of people in the UK have used AI for trip planning," she said. Affirm is using AI to test and learn how it works with clients and expands into new markets like Europe and the UK where regulations are more strict than in the US. After the disruption caused by the low cost carriers, and then aggregators, she said travel finds itself at another inflection point due to agentic commerce. "The difference with this is, it's consumer-led. It's not a case of there is a new business out there, this is passenger choice. "Then it's about how an airline can win from the point of view of AI. It's about clarity, transparency and consistency. "If you're getting unexpected costs or fees added that leads to a really bad customer experience. "It's making sure the content is discoverable and it's clear, Making the journey clear for the customer is important. "I was at a retail conference last week and the view was this will go hockey stick in the next few years. I think travel will follow that curve but it will take a little bit longer" Consumer trust and the customer experience will determine how quickly agentic commerce is adopted in travel and aviation, concluded Spratt. Weekly news, offers, incentives and more straight to your inbox.
Affirm reported 39% gross merchandise volume growth over the past 12 months and 30% adjusted operating income in its most recent quarter, CFO Rob O'Hare said at an investor conference. The buy-now-pay-later company also signed a five-year renewal with Amazon, its largest merchant partner, and added partnerships with Expedia, Intuit, Lowe's and ServiceTitan. The Affirm Card accounted for 16% of GMV, with user adoption and card GMV more than doubling year-over-year. O'Hare highlighted that in-store usage is roughly an order of magnitude higher than the rest of the business. Affirm has nearly 26 million active consumers, with 96% of transactions coming from repeat borrowers. The company submitted a bank subsidiary application in January and is expanding in the UK and Canada through Shopify partnerships.
Affirm is expanding its partnership with Stripe to support Shared Payment Tokens, enabling AI agents to initiate purchases using shoppers' preferred payment methods without exposing sensitive credentials. The collaboration will bring Affirm's pay-over-time options to AI-driven commerce experiences. Through this capability, shoppers can select Affirm as their payment method on AI platforms using SPTs. After completing Affirm's real-time eligibility check and choosing a payment plan, purchases can be completed directly within the AI platform. Stripe will process payments between merchants and Affirm on the backend. The feature will initially be available for Stripe's direct merchants, rolling out to other merchants later this year. Affirm and Stripe have partnered since 2021. Affirm is also working with platforms including Google's Agent-to-Agent Protocol and Universal Commerce Protocol to expand its services.
Lowe's partners with Affirm to offer flexible payment options for customers. Lowe's recently announced a new partnership with Affirm, allowing Lowe's customers to have more flexibility while paying for products. Through the partnership, Affirm will offer Lowe's customers payment plans online and on the Lowe's mobile app. Lowe's will also be featured on the Affirm marketplace. "We make home improvement easy at Lowe's by solving problems and meeting our customers' varying needs - whether it's to make a quick fix, purchase an appliance from the widest assortment of top brands or to help them take on a bigger project," says Brandon J. Sink, Lowe's CFO. "Affirm expands Lowe's financial services portfolio, broadening the ways customers can pay in addition to our popular MyLowe's Rewards Credit Card." Lowe's customers can choose Affirm at checkout to allow payments to be split into biweekly or monthly payments. The company joins nearly 478,000 merchants who use Affirm. "From outfitting a workshop to taking on a long-planned bathroom renovation, Affirm helps Lowe's customers confidently manage purchases with clear, transparent payment options," says Wayne Pommen, chief revenue officer at Affirm. "This partnership is about giving customers the flexibility to invest in their homes on terms that work for them."