The Role
Lead architecture and implementation of scalable payments systems, solve high-impact technical problems, mentor engineers, drive platform improvements, and influence cross-functional initiatives.
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 Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.
Responsibilities
- Solve Critical Problems: Identify, prioritize, and solve technical challenges impacting growth.
- Lead and Collaborate: Architect new solutions, Implement newer patterns/framework that other candidates can use and implement, Identify potential systemwide solutions, guide teams, ensuring solutions meet business goals and technical standards.
- Mentor & Develop: Foster a culture of learning, guiding junior engineers.
- Innovate & Improve: Drive continuous improvement in our platform and processes.
Requirements
- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 12+ years of experience as Software Engineer, in a fast-paced, high-growth environment, working with cloud platforms such as AWS, GCP, or Azure.
- Strong expertise in backend development with proficiency in Python; as well both relational and NoSQL databases.
- Solid understanding of distributed systems, system design principles.
- A can-do attitude and creative, flexible problem solving abilities, and the ability to think critically in ambiguous situations.
- Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.
- Strong written and verbal communication skills, with the ability to present technical concepts to non-technical stakeholders.
- Desirable experience with mobile technologies or mobile payment systems with the fraud and identity aspects of fintech, as well in building and maintaining large-scale systems used by millions of users.
Benefits
- 100% Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- $340 Monthly Commuter benefit
- 401k Contribution of 3% of salary (up to IRS limits)
- Headphone benefit, home office equipment allowance and wellness perks
- Catered lunches
- 20 Paid vacation days, unlimited sick leave
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
- 12+ years experience as a Software Engineer in a fast-paced, high-growth environment
- Experience with cloud platforms (AWS, GCP, or Azure)
- Strong backend development expertise with proficiency in Python
- Experience with relational and NoSQL databases
- Solid understanding of distributed systems and system design principles
- Creative, flexible problem solving and ability to think critically in ambiguous situations
- Team player; experience with code review, pair programming, collaboration, mentoring
- Strong written and verbal communication; able to present technical concepts to non-technical stakeholders
- Experience with mobile technologies or mobile payment systems, including fraud and identity aspects of fintech
- Experience building and maintaining large-scale systems used by millions of users
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.
PayJoy Insights
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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.
