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
The Senior software engineer is responsible for design, implementation and update software tools and manages APIs from third-party vendors for different products or teams to enhance the organization's performance in various areas.
Responsibilities
- Develop and maintain systems. Write clean, scalable, and efficient code to ensure robust and high-performance backend systems.
- Implement and manage API connections from third-party vendors to enable seamless communication and enhance functionality.
- Implement Test-Driven Development and execute unit and integration tests to maintain code quality and prevent bugs.
- Create and maintain detailed documentation of software features to provide reliable references and facilitate onboarding.
- Version Control Management to manage codebase changes and facilitate collaboration.
- Conduct code reviews and perform testing to ensure high code quality and identify issues early.
Requirements
- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 3+ years of experience as a Software Engineer.
- Must be proficient in software engineering tools.
- Ability to develop software in Python for the backend using Django and PostgreSQL.
- Experience with test-driven development, document software functionality, and review and test the work of others.
- Proficiency with Git for version control and Kubernetes for container orchestration.
- Experience with APIs and integrations.
- Excellent problem-solving skills and the ability to think critically and creatively.
- Strong communication and collaboration skills, enabling them to work effectively within a team and with various stakeholders.
- Highly adaptable and open to learning, showing a proactive approach to staying updated with the latest industry trends and technologies.
- Exhibit a strong sense of accountability and attention to detail, ensuring high-quality work.
- Dependable and can manage their time efficiently, balancing multiple tasks and deadlines in a fast-paced environment.
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
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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.
