Updated Jan 21, 2026 using last 90 days postings.

Affirm Hiring Trends – January 2026

Affirm is scaling its backend engineering capabilities significantly, focusing on building and enhancing large-scale distributed systems that support consumer credit reporting, financial planning, and fraud prevention workflows. They are expanding cross-functional collaboration between product, engineering, compliance, and data teams to optimize fraud detection, identity verification, and financial crime compliance, particularly as they grow their presence in Europe. The company is also investing in frontend development for open banking features and business development roles to drive new partnerships and market expansion, with a strong emphasis on remote work across the US and Europe.

Note: These dashboards are not the source of truth. Job posting data can include duplicates and may double count roles. Treat the results as a sample that helps explain what the postings suggest about hiring focus. Summaries are generated with an LLM and may contain errors or omissions. For the most accurate and complete information, research the company directly.

Tracked openings

107

Remote share

97%

Top location

Remote (US)

Top category

Backend Engineer

Inside The Product

Summary

Affirm builds a consumer finance platform (Buy Now, Pay Later) focused on a simple, transparent pay structure and international expansion. The company is investing in scalable backend and data infrastructure, fraud and identity prevention, and EU-focused compliance and privacy governance as it grows merchant and consumer adoption.

What They Build

  • Buy Now, Pay Later payments and open banking integrations to enable flexible consumer checkout
  • Trust & Safety: fraud detection, identity verification and experiment-driven optimization of conversion vs. risk
  • Data platforms and analytics for end-to-end measurement, dashboards and machine-learning model support
  • Regulatory compliance and data protection (EU Financial Crime frameworks, DPO responsibilities)
  • Merchant acquisition and partnership workflows to drive e‑commerce growth
  • Scalable infrastructure and high-throughput backend systems (Python, AWS, Kubernetes, MySQL)

Customers & Users

  • E‑commerce merchants and enterprise partners
  • Consumers using BNPL/financing at checkout
  • Internal stakeholders (Product, Engineering, Machine Learning, Finance, Risk, Compliance)
  • Regulators and local compliance authorities in expansion markets (e.g., EU)

Workflows & Systems

  • Cross-functional collaboration across Product, Engineering, ML, Compliance, Risk and Finance
  • End-to-end analytics and experimentation to define success metrics and optimize fraud vs. conversion
  • Building and maintaining data pipelines and integrations (e.g., Snowflake, Workday, Netsuite)
  • Outbound sales and BD motion to identify and nurture merchant partnerships and top-of-funnel opportunities
  • Designing and operating EU-specific compliance frameworks (MLRO, DPO) during international expansion
  • Shipping high-availability backend services and frontend features to support scaling and global markets

Role Insights

Backend Engineer

Build high-throughput, high-availability payment and open-banking services using Python/Kotlin, AWS, MySQL and Kubernetes to support scaling and international expansion.

Data Engineering And Infrastructure

Own and maintain data pipelines and core datasets (Snowflake, SQL) to enable analytics, dashboards and ML model workflows for fraud and product metrics.

Risk Management

Develop fraud and financial-crime strategies, tiered cutoffs and identity verification approaches in partnership with ML and product to balance prevention and conversion.

Software Engineering Leadership

Lead cross-functional engineering teams to prioritize technical trade-offs, ship scalable systems, and support feature development across regions.

Product Management

Partner with design, engineering and analytics to define metrics, prioritize features and drive product changes that move key financial and conversion metrics.

Cybersecurity Engineering

Support privacy, security and governance requirements (including DPO-related controls) to protect user data and meet regulatory obligations.

Team Focus

  • Backend Engineer: 14 roles (13.1%)
  • Data Engineering And Infrastructure: 8 roles (7.5%)
  • Risk Management: 8 roles (7.5%)
  • Software Engineering Leadership: 7 roles (6.5%)
  • Product Management: 6 roles (5.6%)
  • Cybersecurity Engineering: 6 roles (5.6%)
  • Operational Excellence: 4 roles (3.7%)
  • Strategic Partnerships Manager: 4 roles (3.7%)

Skill Stack

Backend Engineer

Python Kotlin AWS MySQL Kubernetes Spark Distributed Systems API Design

Data Engineering And Infrastructure

SQL Python Data Modeling Pipeline Orchestration Spark Kafka Cloud Data Platforms Infrastructure as Code DBT Airflow

Risk Management

Python SQL Risk Analytics Credit Risk Fraud Detection Model Validation Automation Frameworks LLM Orchestration

Software Engineering Leadership

Distributed Systems Kotlin Python AWS MySQL Kubernetes Mentorship Technical Strategy Monitoring and Alerting

Product Management

Product Strategy Stakeholder Management Fintech Data-Driven Decision Making SQL API Integration User Experience Cross-Functional Collaboration

Cybersecurity Engineering

Cloud Security AWS GCP Azure Terraform CI/CD DevSecOps Threat Modeling OAuth2 SAML

Location Footprint

  • Remote (US): 51 roles (47.7%)
  • Remote (CA): 31 roles (29.0%)
  • Remote (GB): 8 roles (7.5%)
  • Remote (ES): 6 roles (5.6%)
  • Remote (PL): 5 roles (4.7%)
  • Remote (NL): 3 roles (2.8%)
  • IL, US: 1 roles (0.9%)
  • United Kingdom: 1 roles (0.9%)

Seniority Mix

  • Mid: 52 roles (48.6%)
  • Senior: 44 roles (41.1%)
  • Entry: 8 roles (7.5%)
  • Intern: 3 roles (2.8%)

Role Types

  • full_time: 103 roles (96.3%)
  • contract: 3 roles (2.8%)
  • internship: 1 roles (0.9%)

Hiring Cadence