Software Engineer II, Fullstack (Repayment UX)

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 Repayment UX Engineering team is growing, and we're looking for a Full-Stack Software Engineer. We're a full-stack team located entirely in Europe within the same time zone, but culturally rooted in Silicon Valley. We directly improve the financial lives of over 20 million people. We build and own user journeys that enable them to pay back loans worth collectively over $40B each year. Our team exists to make these moments the most reliable and transparent in world-class consumer finance. Our work is agile and fast-paced and we rigorously measure the impact it has on the behavior of our users. This role rewards curiosity, ownership, and a builder's mindset. You'll know exactly what your objectives are, you'll have what you need to hit them, and you'll choose your own path to get there. You'll learn quickly from experienced teammates and grow your craft on problems that matter at scale. If you want to build something new and operate it at scale – come join us! 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 1.5+ 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 have experience shipping web apps using declarative UI frameworks like React or Vue • Experience developing and architecting mobile applications, preferably using declarative UI frameworks like React Native is a bonus. • You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. • 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. • 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. Total rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade 259,000 zł - 379,000 zł Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm’s parent company grows, employees have the opportunity to share in that growth financially. Affirm Holdings, Inc. Equity Grade Equity grade: 3 (awarded in US Dollars) New hire equity: $24,000 - $36,000 USD Annual Refresh: $7,500 Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month. In addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include: • Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge. • Comprehensive private healthcare through Lux Med's Platinum package. • A MultiSport card to support your health and well-being. • Learning and development programs to help you grow professionally. • Family healthcare support through Maven and parental leave support through Parentaly. • Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members. • Financial well-being support through Northstar, with unlimited access to Certified Financial Advisors and planning tools at no cost to you. • Employee Resource Groups (ERGs) that foster connection and inclusion. • Eligibility for creative tax benefits, subject to applicable law, role, 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 onboarding 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. • Spendi