Senior Software Engineer

About PayJoy

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.

We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry.

As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Senior software engineer is responsible for design, implementation and update software tools and manages APIs from third-party vendors for different products or teams to enhance the organization's performance in various areas.

Responsibilities

Develop and maintain systems.

Write clean, scalable, and efficient code to ensure robust and high-performance backend systems.

Implement and manage API connections from third-party vendors to enable seamless communication and enhance functionality.

Implement Test-Driven Development and execute unit and integration tests to maintain code quality and prevent bugs.

Create and maintain detailed documentation of software features to provide reliable references and facilitate onboarding.

Version Control Management to manage codebase changes and facilitate collaboration.

Conduct code reviews and perform testing to ensure high code quality and identify issues early.

Requirements

Bachelor's degree in a technical discipline such as computer science, software engineering, or a related field.

10+ years of experience as a Software Engineer.

Must be proficient in software engineering tools.

Ability to develop software in Python for the backend using Django and PostgreSQL.

Experience with test-driven development, document software functionality, and review and test the work of others.

Proficiency with Git for version control and Kubernetes for container orchestration.

Experience with APIs and integrations.

Excellent problem-solving skills and the ability to think critically and creatively.

Strong communication and collaboration skills, enabling them to work effectively within a team and with various stakeholders.

Highly adaptable and open to learning, showing a proactive approach to staying updated with the latest industry trends and technologies.

Exhibit a strong sense of accountability and attention to detail, ensuring high-quality work.

Dependable and can manage their time efficiently, balancing multiple tasks and deadlines in a fast-paced environment.

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

Equal Employment Opportunity

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

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

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