Staff Software Engineer - Payments

Job description

**About PayJoy** PayJoy, a Public Benefit Corporation, 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 card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and 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 Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services. ### Responsibilities - **Solve Critical Problems:** Identify, prioritize, and solve technical challenges impacting growth. - **Lead and Collaborate:** Architect new solutions, Implement newer patterns/framework that other candidates can use and implement, Identify potential systemwide solutions, guide teams, ensuring solutions meet business goals and technical standards. - **Mentor & Develop:** Foster a culture of learning, guiding junior engineers. - **Innovate & Improve:** Drive continuous improvement in our platform and processes. ### Requirements - Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. - 12+ years of experience as Software Engineer, in a fast-paced, high-growth environment, working with cloud platforms such as AWS, GCP, or Azure. - Strong expertise in backend development with proficiency in Python; as well both relational and NoSQL databases. - Solid understanding of distributed systems, system design principles. - A can-do attitude and creative, flexible problem solving abilities, and the ability to think critically in ambiguous situations. - Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored. - Strong written and verbal communication skills, with the ability to present technical concepts to non-technical stakeholders. - Desirable experience with mobile technologies or mobile payment systems with the fraud and identity aspects of fintech, as well in building and maintaining large-scale systems used by millions of users. ### Benefits - 100% Company-funded health insurance for employee and immediate family - Company-funded employee life and disability insurance - $2,000 USD annual Co-working Travel perk - $2,000 USD annual Professional Development perk - $340 Monthly Commuter benefit - 401k Contribution of 3% of salary (up to IRS limits) - Headphone benefit, home office equipment allowance and wellness perks - Catered lunches - 20 Paid vacation days, unlimited sick leave