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 Senior Software Engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience
Responsibilities
Build and maintain user-friendly software applications and solutions using front-end and back-end technologies.
Work with development teams and product managers to develop software solutions.
Collaborate on the client-side and server-side architecture.
Conduct code reviews and provide feedback to ensure code quality and adherence to best practices.
Troubleshoot and debug software issues, ensuring timely resolution.
Stay up to date with industry trends and technologies to drive continuous improvement in software development processes.
Requirements
Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
4+ years of experience in full stack software development, project management, and in-depth knowledge of programming languages and databases as well unit test.
Proficiency in front-end and back-end technologies, Javascript and SQL and Vue.js framework or React.
PHP, Python or native Android experience is a plus.
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.
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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
