Software Engineer II, Backend (Collections)

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 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 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

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 experience.

Benefits designed for you

Our benefits reflect our commitment to care, transparency, and flexibility

• Here are a few highlights: - 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 https://www.affirm.com/global-candidate-privacy-notice Global Candidate Privacy Notice and consent to the use of your personal information as described.