Senior Software Engineer

Overview

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 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.

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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