The Role
Build and maintain full-stack applications supporting PayJoy’s phone-locking technology, risk modeling, internal tools, and partner API integrations. Responsibilities include developing frontend and backend solutions, collaborating on architecture, reviewing code, troubleshooting issues, and improving development practices. The role requires strong JavaScript, SQL, database, testing, and full-stack development skills, with Vue.js or React experience. PHP, Python, Android, and CI/CD experience are advantageous.
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 Senior Software Engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience
Responsibilities
- Build and maintain user-friendly software applications and solutions using front-end and back-end technologies.
- Work with development teams and product managers to develop software solutions.
- Collaborate on the client-side and server-side architecture.
- Conduct code reviews and provide feedback to ensure code quality and adherence to best practices.
- Troubleshoot and debug software issues, ensuring timely resolution.
- Stay up to date with industry trends and technologies to drive continuous improvement in software development processes.
Requirements
- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 4+ years of experience in full stack software development, project management, and in-depth knowledge of programming languages and databases as well unit tests.
- Proficiency in front-end and back-end technologies, Javascript and SQL and Vue.js framework or React .
- PHP, Python or native Android experience is a plus.
- Familiarity with designing, configuring, and optimizing CI/CD pipelines for frontend and backend applications is a plus.
- 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.
Benefits
- 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
- Life insurance.
- Phone finance, Headphone, home office equipment and wellness perks.
- 30 days of Christmas bonus
- 20 days paid Vacation
- 50% Vacation premium
- 13% Saving funds
- $2,000 MXN monthly grocery coupons
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- 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 a related technical discipline
- 4+ years of experience in full-stack software development
- Experience with project management
- In-depth knowledge of programming languages, databases, and unit testing
- Proficiency with JavaScript and SQL
- Experience with Vue.js or React
- Strong problem-solving and analytical skills
- Excellent communication and collaboration skills
- Team-oriented experience with code review, pair programming, collaboration, and mentoring
- PHP, Python, or native Android experience
- Experience designing, configuring, and optimizing CI/CD pipelines for frontend and backend applications
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.
