Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

Decisions and Pricings mission is to deliver the best credit decisions for Affirm consumers while maintaining positive unit economics and being the highest converting and most competitive payment solution for our merchant partners. The decisioning system and ML models our team owns and operates help us realize our mission for millions of consumers and merchant partners.

The Decisions and Pricing Engineering team is at the forefront of reinventing credit, committed to providing our consumers with transparent and flexible payment options while ensuring our merchant partners receive the most competitive solutions available. Our mission is to deliver the best credit decisions through innovative machine learning models and robust decisioning systems that support millions of users across diverse platforms.

Decisions and Pricing Engineering Nexus is a group based entirely in Europe with main focus on international markets. With Affirm experiencing rapid growth, your contributions will play a crucial role in supporting our ambitious goals. If you’re passionate about building impactful technology and mentoring future leaders while promoting an inclusive environment, we invite you to join us and help build Decisions and Pricing Engineering Nexus to redefine financial services grounded in honesty and trust.

What Youll Do

• Drive the evolution and architecture of Decisioning systems 
• Champion innovative, scalable, and delightful solutions across the organization
• Establish architecture, technical design, and code review standards, coach team members to conduct effective design and code reviews. Ensure high programming standards, create best practices, and lead by example.
• Partner with Product Management, provide technical input to shape product direction and roadmap.
• Foster a culture of technical excellence, humility, constant improvement, and rigor to build a team that can confidently tackle complex challenges across multiple technical domains.
• Be hands on. Build APIs and data models to work within micro-service and event-driven architectures. Create parallelizable and idempotent batch jobs to process large amounts of data.
• Take an active role in mentoring engineers and senior leaders, and the processes that support team growth and efficiency.

What we look for

• 10+ years of experience as a software engineer
• Ability to synthesize complex business, product, and technical requirements to consistently produce high quality system designs and software.
• A strong understanding of distributed systems and how architectural decisions affect performance and maintainability.
• A strong understanding of machine learning and modeling techniques at scale
• Excellent communication skills, both written and verbal. Must be proficient in asynchronous communication – written tech specs, wiki, project plans, etc.
• Excellent project management skills – high degree of organization and ability to surface critical information effectively.
• Business impact focus, pragmatic approach to delivering projects on time and safely.
• Passion for working with cross-functional teams including Product, Risk, Analytics etc.
• Python/Kotlin development experience is a plus.
• Experience with AWS and/or other cloud providers.
• Experience with Fintech or regulatory industries is a plus.

Compensation & Benefits

Base Pay Grade - P

Equity Grade - Poland 5

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: 358,000 zł - 458,000 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 leave
• 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.**