Senior Software Engineer, Back-end (Fraud)Active€86K–€122K

The opportunity

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.

What you'll do

  • 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.

What they're looking for

  • 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.
  • + years of experience building backend systems at scale using Python or Kotlin.
  • Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes.
Senior Software Engineer, Back-end (Fraud) at Affirm | Role Match