The Role
Develop and maintain PayJoy's secured-credit locking technology and full-stack features. Build front-end and back-end code, design and modify SQL schemas, create partner APIs, ensure proper handling of customer data, collaborate with product and global teams, participate in code reviews and TDD, mentor and hire engineers, and support deployments for international markets.
Summary Generated by Built In
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 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
Skills Required
- Bachelor's degree in Computer Science, Software Engineering, or related technical discipline.
- 8+ years of experience in financial technology services.
- Proficiency in PHP.
- Proficiency in Java.
- Proficiency in JavaScript and frameworks (Vue, AngularJS).
- Proficiency in HTML and CSS.
- Experience with relational SQL databases and SQL (DDL and DML).
- Strong problem-solving and analytical skills.
- Excellent communication and collaboration skills; team player comfortable with code review, pair programming, and mentoring.
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
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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.
