Senior Software Engineer iOS
PayJoy
Software Engineering
San Francisco, CA, USA
USD 272k-283k / year
Posted on Jan 17, 2026
About PayJoy
PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
As a Senior iOS Engineer, you are a highly senior and independent individual contributor who executes iOS technical design and implementation. You write software to create a high bar on code quality and the features that expand financial opportunity for underserved communities around the world. You are the expert resource on iOS and model the decision-making and interpersonal behaviors that enable PayJoy to deliver reliable, scalable, mission-critical financial technology.
Responsibilities
- Design, build, and operate our iOS app across multiple markets.
- Implement effective, resilient, and scalable features using Swift, SwiftUI, modern iOS frameworks, unit/integration tests, and clean architecture practices.
- Ensure long-term system health, maintainability, and performance.
- Provide technical input on system-level decisions, identifying and resolving cross-team technical obstacles.
- Own Delivery End-to-End
- Own the technical design, implementation, testing, rollout, and long-term maintenance of major iOS features.
- Be a strong participant in the end-to-end release process for PayJoy’s iOS applications, ensuring timely, reliable, and high-quality delivery across TestFlight, App Store Connect, and production environments.
- Monitor build health, crash reports, and performance metrics during TestFlight and post-release, driving rapid iterations or rollbacks as needed.
- Proactively manage ambiguous or novel problem spaces, ensuring clarity and alignment for collaborating teams.
- Communicate clearly at both tactical and strategic levels, helping colleagues understand tradeoffs, timelines, and dependencies.
Requirements
- 5+ years of professional experience building native iOS applications.
- Strong proficiency in Swift, iOS architectural patterns, async programming, iOS system security, and MDM-aware iOS apps.
- Experience managing TestFlight and App Store app submissions and handling App Store rejections.
- Demonstrated ability to deliver complex features.
- Experience with one (or several!) of these areas: mobile credit/payments products, MDM and enterprise management, Android development, or emerging markets.
- Experience in product experimentation, A/B testing, analytics, and reliability engineering.
- Exceptional communication, collaboration.
- A mindset aligned with PayJoy’s mission of expanding financial access and culture of speed, transparency, direct communication, and adaptability.
- Advanced English Level
Benefits
- * Local benefits depending on the country of hire
- Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- Company holidays, local vacation days, and unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone finance, Headphone, home office equipment and wellness perks
PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
272000 - 283000 USD a year
Salary applies to the USA candidates.