Description
Staff Software Engineer - Payments
Team: Core Engineering
Location: San Francisco, CA
Commitment: Full-Time
Workplace Type: hybrid
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 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.
Responsibilities
- Solve Critical Problems: Identify, prioritize, and solve technical challenges impacting growth.
- 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: Foster a culture of learning, guiding junior engineers.
- Innovate & Improve: 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; as well both relational and NoSQL databases.
- Solid understanding of distributed systems, system design principles.
- A can-do attitude and creative, flexible problem solving abilities, and the ability to think critically in ambiguous situations.
- Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.
- 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.
Benefits
- 100% Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- $340 Monthly Commuter benefit
- 401k Contribution of 3% of salary (up to IRS limits)
- Headphone benefit, home office equipment allowance and wellness perks
- Catered lunches
- 20 Paid vacation days, unlimited sick leave
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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
There are more than 50,000 engineering jobs:
Subscribe to membership and unlock all jobs
Engineering Jobs
60,000+ jobs from 4,500+ well-funded companies
Updated Daily
New jobs are added every day as companies post them
Refined Search
Use filters like skill, location, etc to narrow results
Become a member
🥳🥳🥳 452 happy customers and counting...
Overall, over 80% of customers chose to renew their subscriptions after the initial sign-up.
To try it out
For active job seekers
For those who are passive looking
Cancel anytime
Frequently Asked Questions
- We prioritize job seekers as our customers, unlike bigger job sites, by charging a small fee to provide them with curated access to the best companies and up-to-date jobs. This focus allows us to deliver a more personalized and effective job search experience.
- We've got over 200,000 jobs from 15,000+ vetted companies. No fake or sleazy jobs here!
- We aggregate jobs from 15,000+ companies' career pages, so you can be sure that you're getting the most up-to-date and relevant jobs.
- We're the only job board *for* software engineers, *by* software engineers… in case you needed a reminder! We add thousands of new jobs daily and offer powerful search filters just for you. 🛠️
- Every single hour! We add 2,000-3,000 new jobs daily, so you'll always have fresh opportunities. 🚀
- Typically, job searches take 3-6 months. EchoJobs helps you spend more time applying and less time hunting. 🎯
- Check daily! We're always updating with new jobs. Set up job alerts for even quicker access. 📅
What Fellow Engineers Say