The Role
The Senior Software Engineer will drive architectural decisions, develop MarTech platforms, manage features end-to-end, collaborate across teams, and improve system reliability.
Summary Generated by Built In
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
The senior Software Engineer Systems is responsible for defining the architectural direction and making high-impact technical decisions that wi l shape the development of platforms for MarTech Systems, which drive global customer acquisition, activation, engagement, and retention.
Responsibilities
- Own medium-sized features and services end-to-end — including technical design, development, testing, deployment, and ongoing maintenance.
- Write clean, performant, secure, and wel-tested code with strong observability and monitoring.
- Independently break down requirements, manage risks, and deliver high-quality outcomes with predictable execution.
- Improve system reliability, scalability, and maintainability by addressing technical debt and operational gaps.
- Participate in architectural discussions and provide constructive design and code review feedback across the team.
- Colaborate with Product, Marketing, Data, and Operations to deliver scalable solutions that drive measurable business impact.
- Communicate progress, trade-offs, and risks clearly to peers and stakeholders.
- Contribute to onboarding, documentation, knowledge sharing, and a continuous improvement mindset.
- Participate in hiring activities, mentorship, and building a strong, inclusive engineering culture.
Requirements
- Bachelor’s degree in Computer Science, Software Engineering, or a related technical field.
- 6–8+ years of software engineering experience, with ownership of production services and data-driven product features.
- Strong proficiency in at least one backend language or framework, and solid experience with cloud-native architectures, including APIs, microservices, and event-driven systems (AWS preferred).
- CRM / CDP integrations (Salesforce and at least one platform such as Marketo, Braze, or HubSpot)
- Support for paid media activation (search, social, display, programmatic)
- Personalization engines and retention tooling driving acquisition, engagement, and conversion
- Proven ability to execute independently, with strong judgment on when to raise risks, ask for help, or seek alignment.
- Excellent communication and interpersonal skills, with the ability to collaborate effectively across Engineering, Marketing, Product, and Data teams, and contribute to an inclusive team culture.
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 insurance for employee and immediate family
- Company-funded employee life and disability insurance
- 20 Paid vacation days, Flexible sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Headphone benefit, home office equipment allowance and wellness perks
- $340 Company-funded Commuter benefit
- 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
Top Skills
AWS
Braze
Cdp
CRM
Hubspot
Marketo
Salesforce
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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.
