Full-Time
Software Engineer – Early Career
Posted on 3/13/2025
Affirm
1,001-5,000 employees
Provides buy now, pay later financing solutions
Compensation Overview
€55k - €85kAnnually
Entry, Junior
H1B Sponsorship Available
Madrid, Spain
Hybrid role requiring in-office work 3 days a week; candidates must be based in Spain.
- 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.
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field.
- 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.
- On-Call Rotation - There would be an on-call rotation for this role as a requirement.
Affirm provides point-of-sale financing solutions as an alternative to traditional credit cards. Its main service is the "buy now, pay later" (BNPL) model, which allows consumers to make purchases and pay for them over time through installment plans, often without hidden fees. Affirm partners with merchants to integrate its payment solutions into their sales platforms, whether online or in-store, using user-friendly plugins and APIs. This integration requires minimal technical effort from merchants. Affirm earns revenue through interest and fees on the loans it provides to consumers, as well as fees from merchants who offer its financing options. The company also provides a merchant dashboard for transaction processing and sales training, helping businesses effectively market these financing options. Affirm's goal is to empower consumers with flexible payment options while providing value to merchants in the e-commerce and retail sectors.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
Simplify's Take
What believers are saying
- Affirm's partnership with StockX taps into the growing $77 billion resale market by 2025.
- Expansion with Shopify to Canada and UK opens new international markets for Affirm.
- 76% of BNPL users express high satisfaction, indicating a growing market for Affirm.
What critics are saying
- Increased competition from BNPL providers like Afterpay and Klarna threatens Affirm's market share.
- Potential regulatory scrutiny from the Consumer Financial Protection Bureau could impact operations.
- Muted consumer spending on credit cards may slow down Affirm's loan origination volumes.
What makes Affirm unique
- Affirm offers transparent installment loans with no hidden fees, unlike traditional credit cards.
- Affirm partners with over 2,000 merchants, including major brands like StockX and Stitch Fix.
- Affirm's seamless API integration allows easy adoption by e-commerce and retail platforms.
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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
↓ -6%1 year growth
↓ -6%2 year growth
↓ -7%Buy now, pay later (BNPL) provider Affirm has teamed with resale marketplace StockX. The collaboration, announced Monday (March 10), lets eligible StockX shoppers in the U.S. access Affirm’s payment plans when purchasing products from brands such as adidas, Supreme and Gucci. “At StockX, we’re always looking for ways to enhance the customer experience and ensure our community has access to the world’s most sought-after brands. Affirm’s range of flexible pay-over-time options, including longer-term plans, gives our customers the power to choose what works best for their needs and shop confidently,” Jacob Fenton, vice president of customer experience and insights at StockX, said in a news release
After a holiday spending frenzy, consumers have returned to a more normalized rate of spending, as measured in incremental borrowing on credit cards and other forms of debt. December saw a massive $37.1 billion increase in total credit, where revolving credit — the category that includes credit cards — surged at an annualized pace of 18.5%, after a 16.1% drop in November. The data suggests that consumers were loading up on dry tinder ahead of the year-end frenzy of gift giving and taking advantage of sales. On Friday (March 7), new data from the Federal Reserve revealed that overall credit increased $18.1 billion during the first month of the year, above of the consensus estimate that the headline number would grow by about $15 billion
March’s dawn brings with it the last vestiges of earnings season — and for the FinTech IPO Index, key headlines were focused on quarterly reports and a few announcements of partnerships. So: It wasn’t all about tariffs this past week. Earnings Continue to Roll In
The Ledge (Christian White, Affirm) won the QBD Book of the Year award for fiction and was shortlisted for the Indie Book Awards in the fiction category.
The FinTech IPO Index was awash in a sea of red this past week, with nary a positive showing to be found. Earnings were met, by and large, with dissatisfaction, as investors sent shares down by double digits in many cases, even when results topped expectations or management’s projections. The index slid by 6.2%. Flywire Leads Declining Stocks