Senior Software Engineer - Money

**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 Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.

### Responsibilities

• Code software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS. Design, implement, test, debug, and deploy features and services from product specification.
• Work with the Product team to deliver code that addresses business needs.
• Use and manage relational SQL databases. Use SQL programming language to perform Create, Retrieve, Update, and Delete operations (DDL and DML commands).
• Design and implement database schema changes to support new features.
• Understand the importance of customer data. Proper handling of customer’s sensitive information.
• Build data driven products
• Work with global engineering teams and partners to deliver great products into international markets.
• Design and implement tools to guarantee that remote teams are able to support partners’ needs.
• Build APIs to deliver the data partners need in real-time.
• Build independently and/or take ownership of sets of features.
• Contribute to feature development across the full life-cycle: requirements to implementation, requirement changes, follow-up implementation, and bug fixes.
• Grow the engineering team. Provide mentorship and documentation for new engineers. Interview new candidates for the teamBe willing to work in a collaborative environment.
• Participate in code reviews as an important part of the job. Be able to work collaboratively with other engineers using engineering practices but not limited to , pair programming and TDD. Willing to work in an Agile environment.

### Requirements

• Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
• 8 + years of experience in financial technology services.
• Proficiency in front-end and back-end technologies, PHP, Java, Javascript/Vue/AngularJS, HTML, CSS, SQL.
• 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.

### Nice to Have

• Experience with Adobe Experience Platform (AEP).
• Exposure to omnichannel activation (email, push, SMS, in-product).
• Interest in growing toward Staff / architecture responsibilities.
• Experience in product-led or growth-driven companies.

### Benefits

• 100% Company-funded Health for employees and immediate family members
• Life Insurance
• Indefinite-term contract
• 20 days of vacations, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone finance, headphone benefit, home office equipment allowance and wellness perks
• Catered lunches