Payjoy
Payjoy2mo ago
USD 310392–324000/yr

Staff Software Engineer - Payments

Software EngineerSoftware Engineering
1 views0 saves0 applied

Quick Summary

Overview

About PayJoy PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.

Technical Tools
awsazuregcppythondistributed-systemsfintechmachine-learningmentoringpair-programmingsystem-design
About PayJoy
 
PayJoy, a Public Benefit Corporation, 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

The Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.
  • Solve Critical Problems: Identify, prioritize, and solve technical challenges impacting growth.
  • Lead and Collaborate: Architect new solutions, Implement newer patterns/framework that other candidates can use and implement, Identify potential systemwide solutions, guide teams, ensuring solutions meet business goals and technical standards.
  • Mentor & Develop: Foster a culture of learning, guiding junior engineers.
  • Innovate & Improve: Drive continuous improvement in our platform and processes.
  • Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. 
  • 12+ years of experience as Software Engineer, in a fast-paced, high-growth environment, working with cloud platforms such as AWS, GCP, or Azure.
  • Strong expertise in backend development with proficiency in Python; as well both relational and NoSQL databases.
  • Solid understanding of distributed systems, system design principles.
  • A can-do attitude and creative, flexible problem solving abilities, and the ability to think critically in ambiguous situations.
  • Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored. 
  • Strong written and verbal communication skills, with the ability to present technical concepts to non-technical stakeholders.
  • Desirable experience with mobile technologies or mobile payment systems with the fraud and identity aspects of fintech, as well in building and maintaining large-scale systems used by millions of users.
  • 100% Company-funded health insurance for employee and immediate family
  • Company-funded employee life and disability insurance
  • $2,000 USD annual Co-working Travel perk
  • $2,000 USD annual Professional Development perk
  • $340 Monthly Commuter benefit
  • 401k Contribution of 3% of salary (up to IRS limits)
  • Headphone benefit, home office equipment allowance and wellness perks
  • Catered lunches
  • 20 Paid vacation days, unlimited sick leave
  • Location & Eligibility

    Where is the job
    San Francisco, United States
    Hybrid — some on-site time required
    Who can apply
    US
    Listed under
    United States

    Listing Details

    Posted
    February 12, 2026
    First seen
    March 26, 2026
    Last seen
    May 11, 2026

    Posting Health

    Days active
    45
    Repost count
    0
    Trust Level
    43%
    Scored at
    May 11, 2026

    Signal breakdown

    freshnesssource trustcontent trustemployer trust
    Payjoy
    Payjoy
    lever
    Employees
    3k+
    Founded
    2015
    View company profile
    Newsletter

    Stay ahead of the market

    Get the latest job openings, salary trends, and hiring insights delivered to your inbox every week.

    A
    B
    C
    D
    Join 12,000+ marketers

    No spam. Unsubscribe at any time.

    PayjoyStaff Software Engineer - PaymentsUSD 310392–324000