PayJoy

Staff Software Engineer - Payments

San Francisco, CA · Staff+

Sponsorship not specified$310k-$324kDetected 160 days ago

PythonDistributed SystemsBackend DevelopmentNoSQLAWSGCPCloud PlatformsMachine LearningData ScienceCommunicationCollaborationProblem SolvingMentoring

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

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.
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
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.

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.

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.