Senior Software Engineer, Back-end – Fraud

🕒 July 20

🇪🇸 Spain – Remote

💵 €86k - €122k / year

⏰ Full Time

🟠 Senior

🔙 Backend Engineer

👻 Ghost score 8%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Affirm

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

Fintech • B2C • eCommerce

Affirm is a financial technology company that offers a 'Buy Now, Pay Later' service, allowing consumers to make purchases and pay for them over time with flexible payment plans. Affirm eliminates hidden fees and compound interest, providing clear terms and conditions for its users. The company also offers the Affirm Card, a debit card that allows users to request to pay over time for larger purchases or pay in full for smaller ones. Affirm partners with various retailers across multiple categories, including electronics, apparel, and travel, providing customers with the convenience of paying over time at checkout both online and in physical stores. Affirm's services are integrated with Apple Pay, enabling customers to make payments seamlessly from their iPhone or iPad.

📋 Description

• You will own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. • You will design and implement real-time fraud decisioning services and APIs in Python or Kotlin, extending Affirm's Fraud Decisioning System to markets beyond the US. • You will build and evolve the platform and tooling that let Affirm launch fraud decisioning in a new country quickly—turning market-by-market setup (rules, models, and vendor configuration) into a repeatable, low-friction path so launches scale sub-linearly with the number of markets. • You will integrate region-specific fraud and risk vendors and help operationalize the machine learning and AI signals that power real-time decisioning, while using modern AI tooling to move faster as an engineer. • You will support peers and stakeholders across the product development lifecycle - collaborating with Product, Machine Learning, Analytics, and Fraud Strategy, articulating technical constraints, and partnering on decisions that properly weigh risks and trade-offs. • You will support the operations and availability of your team's systems by creating and monitoring metrics, escalating when needed, and contributing to keep-the-lights-on and on-call efforts. • You will foster a culture of quality and ownership - setting and improving code review and design standards, mentoring teammates, and leading by example. • On-Call Rotation - There would be an on-call rotation for this role as a requirement.

🎯 Requirements

• 5+ years of experience building backend systems at scale using Python or Kotlin. • Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. • Strong system design skills and a track record of delivering maintainable, extensible services. • Fluency with AI-driven engineering - every Affirm engineer builds with tools like Claude Code and most PRs are co-authored with AI, so directing and orchestrating AI and excelling in the reviewer's seat (setting intent, critically evaluating generated code, and owning its correctness, quality, and security) is a core expectation. • Proficiency in SQL and working with data-rich environments. • Familiarity with CI/CD practices and safe production deployments. • Strong written and verbal communication skills, especially in distributed teams. • A proactive, ownership-driven mindset with a focus on learning and team success. • Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have) • Background in fraud prevention, risk systems, or real-time decisioning (nice to have) • Experience building for multiple markets or regions - internationalization or localization (nice to have) • Experience working in the fintech sector or other highly regulated environments, with a strong understanding of risk, compliance, and operational constraints. (nice to have)

🏖️ Benefits

• 100% subsidized medical coverage, dental and vision for you and your dependents • 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