Senior Software Engineer - Payments

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 Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.

Responsibilities Design, develop, test, deploy, and maintain scalable applications using Django and Vue.js .

Build and maintain RESTful APIs, microservices, and integrations with internal and external systems.

Design, optimize, and maintain PostgreSQL databases, ensuring performance, scalability, and data integrity.

Collaborate closely with Product, Design, QA, and Engineering teams to deliver high-quality software solutions.

Participate in architecture discussions, code reviews, testing, and Agile ceremonies.

Write clean, maintainable, well-documented code and contribute to continuous improvements in engineering practices.

Mentor other engineers and support knowledge sharing across the team.

Requirements Bachelor’s degree in Computer Science, Software Engineering, or a related technical field.

7+ years of professional experience as a Software Engineer.

Strong proficiency in software engineering principles, design patterns, and modern development practices.

Strong experience developing backend applications using Python .

Experience building scalable backend services, RESTful APIs, and distributed systems.

Strong experience working with relational databases such as PostgreSQL , MySQL, or similar SQL databases, including schema design, query optimization, and performance tuning.

Experience developing frontend applications using Vue.js and modern JavaScript.

Experience designing and implementing microservices and service-oriented architectures.

Experience integrating internal and third-party APIs.

Proficiency with Git for version control.

Experience working with Docker and Kubernetes .

Experience with automated testing, test-driven development (TDD), and code reviews.

Experience documenting software functionality and reviewing the work of other engineers.

Benefits Bachelor's degree in Computer Science, Software Engineering, or a related technical field.

7+ years of professional experience as a Software Engineer.

Strong experience with Django , PostgreSQL , Vue.js , REST APIs, and microservices .

Experience with Docker , Kubernetes , Git , and CI/CD pipelines.

Experience with automated testing, Test-Driven Development (TDD), and code reviews.

Experience building scalable, high-performance applications and working with distributed systems.

Experience in Payments , FinTech, or other high-volume transactional environments is highly desirable.

Strong analytical, problem-solving, communication, and collaboration skills, with the ability to thrive in a fast-paced Agile environment.

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