Software Engineer

About PayJoy PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting‑edge machine learning, data science, and anti‑fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth. This role The Software Engineer is responsible for developing and maintaining the backend systems and core infrastructure that power machine learning deployment initiatives, processing hundreds of millions of transactions per month, ensuring high performance and reliability, with a strong data‑driven focus as a core principle. Responsibilities Collaborate with global teams including Risk, Fraud, Engineering and Product to deliver world‑class data science products to international markets, including decisioning APIs and external integrations for real‑time data consumption. Own the life cycle (design, development, deployment, delivery and monitoring) of the APIs that power 300 million transactions per month and ensure they have optimal performance. Drive the integration with 3rd parties and other internal sources of data for enrichment and machine learning inference. Work with a data‑driven mindset and understand the critical importance of handling data properly and safely. Organize frameworks and develop processes in our codebase so that the easy and default coding style is cleanly structured. Mentor other engineers and data scientists about best practices in engineering. Requirements Bachelor’s degree in Computer Science, Engineering, or a related field. 3+ years of experience as a software engineer, data engineer or a closely related position with a proven track record of developing and maintaining APIs and backend systems. High proficiency in Python and a strong understanding of its related libraries and frameworks (e.g., FastAPI, Flask, Pandas, etc). Strong background in API development and integration, particularly focused on managing large volumes of data (e.g., REST is preferred but other protocols work). Experience with API documentation tools (e.g., Swagger). Demonstrated experience with cloud providers (AWS preferred) and related data services (e.g., databases, storage, serverless computing). Ability to work in a fast‑paced environment with constant requirement changes. Benefits 100% Company‑funded Health and Life Insurance for employees and immediate family members. Indefinite-term contract. 20 days of vacation. Phone finance, Headphone, 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 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. 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 Seniority level Mid‑Senior level Employment type Full‑time Job function Engineering and Information Technology #J-18808-Ljbffr