Senior Software Engineer - Android (Cash) (Remote friendly)

With over a million customers trusting PayJoy, it’s increasingly important that our apps and services operate with integrity and high availability while keeping our customers' data confidential.

The Cash team is responsible for PayJoy's two end-user products, PayJoy Cash and PayJoy Shrink Wrap. Both Android apps enable a completely self-serve loan application process for personal loans (Cash) and phone financing (Shrink Wrap). As there is no sales clerk around to provide support during the application process, we have a strong focus on user experience and ease of use.

Cash was launched in 2020 and is growing quickly. Shrink Wrap is still in the pilot phase - with some neat potential before it. We have a lot of exciting work ahead of us and are looking for Android engineers at all levels of experience.

As a core member of the team, you will build our Android platform into a global solution providing new financial options to millions of users. To get there, we'll need smart solutions across a mountain of technical challenges. How can we reuse as much code as possible between both products without confining either? How do we scale up runtime performance while increasing overall reliability? Can we build a platform to rapidly iterate and improve our UI and user experience? How do we work with Data Science to enable more attractive lending products? And many more.

We’re looking for someone with a collaborative spirit who likes to get things done. Someone who is excited by the breadth of challenges before us and comfortable balancing competing priorities. You’ll get to learn from the challenges in front of you as well as from your talented colleagues.

Location: Fully Remote!
Originally based in Boston, our team, like many others, has been working remotely (and successfully!) for almost a year. Even pre-COVID we worked closely with our Sales and Operations teams in Mexico, as well as our Engineering and Product colleagues in San Francisco. Based on this experience we made the decision to stay fully-remote going forward. If you're a US-based engineer interested in joining our fully remote team, we'd love to talk!


  • Own broad sections of the design, implementation, deployment, and ongoing maintenance of all client-side, native code for our two Android apps
  • Integrate functional modules from other global engineering teams, and collaborate with them to improve shared areas of code
  • Work with our partner teams in Business, Product, Operations, and Risk to align on priorities and timelines, as well as keep all stakeholders up to date on any plan changes or new developments
  • Requirements

  • 6+ years of experience developing software
  • 3+ years of experience developing for Android (Java or Kotlin)
  • Good verbal and written communication skills in English

  • Benefits

  • Company-funded health, dental, and vision insurance for employee and immediate family
  • Company-funded employee life and disability insurance
  • 401k contribution
  • Company holidays; 15 days vacation (20 at 3rd year); unlimited sick leave
  • Annual fitness benefit ($500); professional development benefit ($2000), and international travel benefit ($2000)
  • Commuter benefit
  • Headphone benefit
  • About PayJoy
    PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile locking technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.

    Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to millions in the near future.

    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 * High-Bandwidth Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity

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