PayJoy
Senior Software Engineer
San Francisco, CA · Senior
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odds of building a lasting career here
Sponsors, but it's cap-subject — you still face the weighted lottery (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
Personalize to your clock →H-1B wage level
the lottery is wage-weighted — each level is one more entry
This range already reaches Level IV — the maximum four lottery entries.
DOL prevailing wage, 2026-27 wage year · Software Developers (15-1252) · San Francisco-Oakland-Fremont, CA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.
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About the role
- PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds.
- 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
Nice to have
- Position Overview |
- As we expand from smartphone financing to broader credit products, customer communication is vital to our product experience.
- Establish internal notification APIs with well-defined contracts, semantic versioning, clear documentation, and strict SLAs.
- Embed safety controls including rate limiting, deduplication, suppressions, channel preference ordering, and compliance rules into the platform.
- Enhance data architecture and streaming pipelines to capture real-time delivery telemetry, reachability metrics, and per-message costs.
- Migrate active notification workloads from legacy systems to the core platform without downtime.
- Ensure high system availability and scale through monitoring, automated retries, idempotency controls, and traffic handling.
- Write clean, performant, and well-tested code following TDD practices with comprehensive test suites.
Compensation
- $268k-$275k
Company info
- 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.
This listing is sourced directly from PayJoy's careers page and normalized into a canonical job model.