The Role
The Software Engineer develops and maintains backend systems for machine learning, focusing on high performance and reliability in processing large transaction volumes.
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 17 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Software Engineer is responsible for developing and maintaining the backend systems and core infrastructure that power machine learning deployment initiatives, processing hundreds of millions of transactions per month, ensuring high performance and reliability, with a strong data-driven focus as a core principle.
Responsibilities
- Collaborate with global teams including Risk, Fraud, Engineering and Product to deliver world-class data science products to international markets, including decisioning APIs and external integrations for real time data consumption.
- Own the life cycle (design, development, deployment, delivery and monitoring) of the APIs that power 300 million transactions per month and ensure they have optimal performance.
- Drive the integration with 3rd parties and other internal sources of data for enrichment and machine learning inference.
- Work with a data-driven mindset and understand the critical importance of handling data properly and safely.
- Organize frameworks and develop processes in our codebase so that the easy and default coding style is cleanly structured.
- Mentor other engineers and data scientists about best practices in engineering
Requirements
- Bachelor’s degree in Computer Science, Engineering, or a related field.
- 3+ years of experience as a software engineer, data engineer or a closely related position with a proven track record of developing and maintaining APIs and backend systems.
- High proficiency in Python and a strong understanding of its related libraries and frameworks (e.g., FastAPI, Flask, Pandas, etc).
- Strong background in API development and integration, particularly focused on managing large volumes of data (e.g., REST is preferred but other protocols work).
- Experience with API documentation tools (e.g., Swagger).
- Demonstrated experience with cloud providers (AWS preferred) and related data services (e.g., databases, storage, serverless computing).
- Ability to work in a fast paced environment with constant requirement changes.
Benefits
- 100% Company-funded Health and Life Insurance for employees and immediate family members
- Indefinite-term contract
- 20 days of vacations
- 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
Top Skills
AWS
Fastapi
Flask
Pandas
Python
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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.
