The Role
About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
As a Software Engineer within PayJoy’s team, you will build the technology to support millions of customers worldwide. Our unique locking technology combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets. We're also focused on world-class app design, web frontend and backend, and partner API integrations. As a key part of PayJoy’s global engineering team, you need to be up for any technical challenge and willing to learn new technologies.
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 team
- Be willing to work in a collaborative environment. Participate in code reviews as a 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
- Experience in financial technology services.
- Bachelors (or Masters) in Computer Science or a closely related field.
- Creative and fast problem solving capabilities.
- Good verbal and written communication skills in English.
- Ability to work in a fast paced environment with constant requirement changes.
Benefits
- *Local benefits will depend of the country of hiring*
- 100% Company-funded Health and Dental insurance for employees and immediate family members.
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk.
- $2,000 USD annual Professional Development perk.
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
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.
Success! Refresh the page to see how your skills align with this role.
The Company
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.
Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
