Senior Backend Engineer - Payments and Reconciliation

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.

As a Senior Software Engineer contributor, you will build technology to support millions of customers worldwide. This includes building our back end services to integrate with global payment providers, internal applications and data-driven risk modeling to support our financial products, as well as world-class app backend and partner API integrations. As a key part of PayJoy’s global engineering team, you should expect to take on complex technical challenges and be willing to learn new technologies. 


  • Code software primarily in PHP, Java/Python
  • Design and build RESTful services and API integrations with 3rd party payment providers
  • Collaborate with Product, Design, Data Science, Risk, and Operations to design and build platform and application features
  • Work with a global engineering team and our partners to deliver great products into international markets
  • Independently build tools and take ownership of a large system
  • Minimum Qualifications

  • Proficient knowledge of back-end programming languages (7+ years) PHP, Python, Java
  • Expertise in designing and building RESTful services and APIs
  • Well-versed in database schema design (Relational DBs, MYSQL preferred, NOSQL DB is a plus)
  • Good understanding of integration with 3rd party payment providers
  • 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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