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 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
As a Software Engineer, you will execute research and development projects to strengthen the lock technology that undergirds our loan products. This is a deep Android environment where the initial emphasis is on the research and subsequent productization of sub-Android techniques for securing devices.
This role carries high uncertainty, high challenge, and high reward. Stronger locks means more secure loans. More secure loans means we can offer smartphones and credit to as wide an audience as possible.
This is a dynamic environment. We favor a highly adaptable mindset and believe in breaking through walls. You’ll need a strong dose of independence and persistence, but also collaboration. The initial effort is research-focused, but the intention is to integrate this work into our existing products.
Responsibilities
- Improve PayJoy’s Android-based locking technology by implementing firmware-level enhancements.
- This role will require intensive development experience and collaboration with the Android SoC/OEM technology stack and ecosystem, and as well with PayJoy’s own MDM solution, PayJoy Access.
Requirements
- Developing ARM-based Trusted Applications (TA) (5+ years)
- Writing BSP-level code, interfacing with SOCs.
- Android firmware development, including interfacing with peripherals.
- Technically communicating in English (written and verbal). Can comfortably create architecture diagrams and documents.
Benefits
- Company-funded health, dental, and vision insurance for employee and immediate family
- Company-funded employee life and disability insurance
- 3% employer 401k contribution
- Company holidays; 20 days vacations; flexible sick leave
- $2,000 USD annual Coworking Travel Perk
- $2,000 USD annual Professional Development Perk Perk
- $500 USD annual Fitness Perk
- $250 USD Home Office equipment allowance
- $250 USD Headphone allowance
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
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.
