PayJoy
Staff Software Engineer - Payments
San Francisco, CA · Staff+
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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 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
Responsibilities
- 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.
- Innovate & Improve: Drive continuous improvement in our platform and processes.
- 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.
- 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:
- Drive continuous improvement in our platform and processes.
Requirements
- 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
- 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.
Compensation
- $310k-$324k
Benefits
- Mentor & Develop: Foster a culture of learning, guiding junior engineers.
- 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.
- 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.
Company info
- 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.
This listing is sourced directly from PayJoy's careers page and normalized into a canonical job model.