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

The Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.

Responsibilities

Code software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS. Design, implement, test, debug, and deploy features and services from product specification.
Work with the Product team to deliver code that addresses business needs.
Use and manage relational SQL databases. Use SQL programming language to perform Create, Retrieve, Update, and Delete operations (DDL and DML commands).
Design and implement database schema changes to support new features.
Understand the importance of customer data. Proper handling of customer’s sensitive information.
Build data driven products
Work with global engineering teams and partners to deliver great products into international markets.
Design and implement tools to guarantee that remote teams are able to support partners’ needs.
Build APIs to deliver the data partners need in real-time.
Build independently and/or take ownership of sets of features.
Contribute to feature development across the full life-cycle: requirements to implementation, requirement changes, follow-up implementation, and bug fixes.
Grow the engineering team. Provide mentorship and documentation for new engineers. Interview new candidates for the teamBe willing to work in a collaborative environment.
Participate in code reviews as an important part of the job. Be able to work collaboratively with other engineers using engineering practices but not limited to , pair programming and TDD. Willing to work in an Agile environment.

Requirements

Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
8 + years of experience in financial technology services.
Proficiency in front-end and back-end technologies, PHP, Java, Javascript/Vue/AngularJS, HTML, CSS, SQL.
Strong problem-solving and analytical skills.
Excellent communication and collaboration skills.
Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.

Nice to Have

Experience with Adobe Experience Platform (AEP).
Exposure to omnichannel activation (email, push, SMS, in-product).
Interest in growing toward Staff / architecture responsibilities.
Experience in product-led or growth-driven companies.

Benefits

100% Company-funded Health for employees and immediate family members
Life Insurance
Indefinite-term contract
20 days of vacations, unlimited sick leave
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
Phone finance, headphone benefit, home office equipment allowance and wellness perks
Catered lunches

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.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

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