Full-Time
Staff Software Engineer
Infrastructure Platform
Confirmed live in the last 24 hours
Affirm
1,001-5,000 employees
Provides buy now, pay later financing solutions
Compensation Overview
ÂŁ140k - ÂŁ180k/yr
Senior, Expert
Company Historically Provides H1B Sponsorship
Remote in UK
The job is remote but candidates must be located in the UK.
- 8+ years of experience as a software engineer
- Proficient in designing, developing and launching backend systems at scale using technologies like Python, Kotlin, AWS, MySQL, and Kubernetes
- Proficient in developing web apps using declarative UI frameworks like React or Vue
- Experience ensuring high availability (HA) and resilience of critical services through runbooks, incident response strategies, and post-mortem analysis
- Experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design
- Ability to write high quality code that is easily understood and used by others
- Proficient at making significant changes in a large code base
- Experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan
- Strong verbal and written communication skills that support effective collaboration with a global engineering team
- Set technical strategy for the team on a year-long time scale and help tie it together with critical, business-impacting projects
- Collaborate across teams in the product development lifecycle with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed
- Act as a force-multiplier for the team through definition and advocacy of technical solutions and operational processes
- Take ownership of the team’s operations and availability by ensuring the right monitoring, triage rotations, playbooks, policies, testing and alerting are in place
- Foster a culture of quality and ownership on the team by setting code review and design standards and advocating for them beyond the team
- Help develop talent on the team by providing feedback and guidance, and leading by example
Affirm provides point-of-sale financing solutions as an alternative to traditional credit cards. It allows consumers to make purchases and pay over time through installment plans, often without hidden fees or deferred interest. Affirm partners with merchants to integrate its payment options into online and in-store shopping experiences, using user-friendly plugins and APIs. The company earns revenue from interest and fees on loans to consumers, as well as from merchants who pay to offer Affirm's financing. Additionally, Affirm offers a merchant dashboard for transaction processing and promotional tools to help businesses market these financing options. The goal of Affirm is to empower consumers with flexible payment solutions while providing value to merchants.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
Simplify's Take
What believers are saying
- Affirm's UK expansion with Adyen could significantly boost its European market presence.
- Reporting BNPL plans to Experian may enhance consumer creditworthiness and broaden customer base.
- Partnership with StockX taps into the growing resale market, boosting transaction volumes.
What critics are saying
- Klarna's Walmart partnership could threaten Affirm's US market share.
- UK regulatory changes may challenge Affirm's BNPL expansion with Adyen.
- Increased scrutiny from credit reporting could lead to consumer backlash.
What makes Affirm unique
- Affirm offers transparent payment plans with no hidden fees, unlike traditional credit cards.
- Affirm partners with over 2,000 merchants, providing diverse shopping options for consumers.
- Affirm's seamless API integration simplifies merchant adoption of its BNPL services.
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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
↓ -2%1 year growth
↓ -2%2 year growth
↓ -4%PYMNTS Intelligence has detailed that consumers opt for buy now, pay later (BNPL) plans because they’re convenient and accessible. More than half of the individuals that we’ve surveyed have said that they’d used installment options through the past year. And 76% of those consumers who used BNPL plans voiced high levels of satisfaction with those plans. The plans are widely available, and our data notes that paying over time holds appeal for users across all income levels, even high earners, where a third of consumers making more than $100,000 annually had used BNPL. For the consumers with low credit scores or even no credit scores, the movement toward including BNPL loans in credit and underwriting decisioning — as BNPL performance is harnessed by the credit reporting agencies — is gaining momentum
Global payments platform Adyen and BNPL platform Affirm have extended their partnership into the U.K., a move designed to help British merchants offer consumers more flexible payment options.Under the expanded collaboration, Adyen’s merchant customers in the U.K. can now integrate Affirm’s installment payment services directly into their checkout systems. Affirm’s payment plans include both interest-free and interest-bearing options, allowing approved customers to select terms best aligned with their budgets.“Adyen customers all over the globe are demanding best-in-class payment experiences to boost business and drive customer engagement, which is why we are expanding our partnership with Affirm into the U.K.,” said Nicole Olbe, Managing Director for Adyen in the U.K.The partnership builds on proven success in North America, where Adyen merchants offering Affirm saw significant growth. Annual transaction volumes through the partnership have increased more than sevenfold from 2021 to 2023.Ruth Spratt, Vice President and U.K. Country Manager at Affirm, highlighted the mutual benefits of the extended relationship, stating that British merchants can now leverage Affirm’s consumer-centric financing solutions to drive customer engagement and business expansion.The partnership between the two companies began in November 2020, initially enabling Affirm payments for Adyen’s U.S. merchants across digital and physical channels
Buy now, pay later firms like Klarna and Block's Afterpay could be about to face tougher rules in the U.K.Nikolas Kokovlis | Nurphoto | Getty ImagesKlarna, the buy now, pay later lender that's headed for an initial public offering, said on Thursday that it's signed on DoorDash as a partner, another sign of momentum for public market investors.It's DoorDash's first BNPL alliance and gives users of the restaurant delivery service a new way to pay for meals. Klarna said in a press release that DoorDash customers will be able to pay in full at checkout, split payments into four equal interest-free installments, or defer to dates that align conveniently with payday schedules.Klarna, which is headquartered in Sweden, filed its prospectus last week to list on the New York Stock Exchange. Revenue last year increased 24% to $2.8 billion, and adjusted operating profit was $181 million, swinging from a loss of $49 million a year earlier. CNBC reported on Monday that Klarna will be the exclusive provider of buy now, pay later loans for Walmart, taking a coveted partnership away from rival Affirm."Our partnership with DoorDash marks an important milestone in Klarna's expansion into everyday spending categories," said David Sykes, Klarna's chief commercial officer, in Thursday's release.Klarna, founded in 2005, said in its prospectus that it has 675,000 merchant partners in 26 countries. It's among the most hotly anticipated IPOs of the year following an extended stretch of historically little activity for new offerings.Don’t miss these insights from CNBC PRO
Affirm said Wednesday (March 19) that it plans to begin furnishing information about all of its payment plans to Experian on April 1. This move will expand Affirm’s credit reporting to Experian to include its pay-over-time products, in addition to the monthly installments of longer-term loans that it already reports to the credit reporting agency, according to a Wednesday press release. The payment plan types that are not currently shared with Experian, but will be when originated on or after April 1, include biweekly payment plans, Pay in 30 (single installment), Pay-in-2 and Pay-in-6, according to a page in Affirm’s help center
Buy now, pay later provider Klarna has agreed to become Walmart’s exclusive provider of installment loans. The collaboration, announced Monday (March 17), gives Walmart’s customers in the U.S. access to flexible payment options in an arrangement set to be integrated into the retailer’s checkout this year. A Klarna news release notes that OnePay, the consumer financial services platform backed by Walmart and Ribbit Capital, is already part of Walmart’s physical and digital channels. With this partnership, OnePay can now add installment loans to its product portfolio