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about payjoy
payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025, we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
this role
the senior software engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools, and partner api integrations, ensuring the quality and functionality of software solutions by writing clean and functional code to ensure system consistency and to create a great user experience.
responsibilities
* build and maintain user-friendly software applications and solutions using front-end and back-end technologies.
* work with development teams and product managers to develop software solutions.
* collaborate on the client-side and server-side architecture.
* conduct code reviews and provide feedback to ensure code quality and adherence to best practices.
* troubleshoot and debug software issues, ensuring timely resolution.
* stay up to date with industry trends and technologies to drive continuous improvement in software development processes.
requirements
* bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
* 4+ years of experience in full stack software development, project management, and in-depth knowledge of programming languages and databases, as well as unit testing.
* proficiency in front-end and back-end technologies: php, python, javascript, vue.js framework or react.
* strong problem-solving and analytical skills.
* excellent communication and collaboration skills.
* being a team player, including review, pair programming, collaboration on tasks, mentoring or being mentored.
benefits
* 100% company-funded health and life insurance for employees and immediate family members.
* indefinite-term contract.
* 20 days of vacation.
* phone finance, headphones, home office equipment, and fitness perks.
* $2,000 usd annual co-working travel perk.
* $2,000 usd annual professional development perk.
payjoy is proud to be an equal employment opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, veteran status, disability, or other 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
apply for this job
seniority level
* mid-senior level
employment type
* full-time
job function
* engineering and information technology
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