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 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 As Staff Engineer for the Customer Data Platform, you will design and build the systems that create a single, authoritative view of every PayJoy customer resolving fragmented identities, unifying behavioral and transactional signals, and activating this intelligence across every messaging channel and business function. This is a rare opportunity to define the technical foundation of a capability that will directly accelerate revenue, drive compliance with data regulations and unlock intelligent personalization at scale. You will operate as a true platform owner, partnering with Product, Marketing, Data Science, Fraud, and Compliance to build infrastructure that every team at PayJoy depends on. Responsibilities

Unified Customer Profile: Architect and build the systems that create a unified customer profile by resolving fragmented identifiers across systems and managing contact data, consent, and channel preferences at global scale.
Event Ingestion and Real Time Data Pipelines: Architect high-throughput ingestion pipelines (hundreds of millions of events/day across 11+ markets) that unify behavioral, transactional, and third-party signals into enriched profiles powering ML, segmentation, and activation.
Messaging Governance Platform: Design and implement the orchestration and rules infrastructure that enforces messaging governance across teams, including frequency caps, suppression, deduplication, and compliance controls across markets.
Messaging Infrastructure Consolidation: Lead the technical strategy and execution for consolidating a fragmented messaging vendor ecosystem, designing migration paths and platform abstractions that allow teams to transition without disrupting live operations.
Internal Platform APIs: Design and maintain the developer-facing APIs and platform services that enable teams to send messages through a unified communications platform with clear contracts, versioning, and operational reliability.
Intelligent Delivery Routing: Build the decisioning systems that dynamically select the optimal messaging channel and vendor based on customer contactability, consent state, deliverability, and cost.

Requirements

12+ years of software engineering experience, with at least 3 years as a technical lead or staff-level IC owning mission-critical, large-scale distributed systems.
Deep expertise building Customer Data Platform capabilities from the ground up – identity resolution, event pipelines, unified profile stores, segmentation engines, and activation pipelines.
Strong experience designing real-time and batch data pipelines that ingest, transform, and unify behavioral, transactional, and third-party data at scale (Kafka, Flink, Spark, dbt, or equivalents).
Proven ability to design developer-facing platform APIs with clear data contracts, versioning, and operational SLAs that enable reliable consumption by multiple internal teams.
Experience with multi-region data architecture and data residency patterns, ideally in markets with active data protection regulations (GDPR, DPDP Act, POPIA, LGPD, or equivalents).
Demonstrated cross-functional influence: you have driven architectural decisions across Engineering, Product, Data, Marketing, and Compliance without direct authority.
Strong technical communication skills: you can distill complex platform tradeoffs into clear written proposals, ADRs, and technical roadmaps for engineering and executive audiences.

Nice to Have

Experience building or operating Customer Data Platforms (CDP) or identity resolution systems using tools such as Segment, RudderStack, mParticle, Adobe Experience Platform, or Salesforce Data Cloud.

Experience working with multi-channel messaging infrastructure and CPaaS providers such as Twilio, Sinch, Infobip, or MessageBird, supporting channels like SMS, WhatsApp, email, and push notifications.

Benefits

100% Company-funded health insurance for employee and immediate family

Company-funded employee life and disability insurance

20 Paid vacation days, Flexible sick leave

$2,000 USD annual Co-working Travel perk

$2,000 USD annual Professional Development perk

Headphone benefit, home office equipment allowance and wellness perks

$340 Company-funded Commuter benefit

Catered lunches

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

Staff Software Engineer - Customer Data Platform

TLDR

Benefits