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PayJoy is a mission-driven Public Benefit Corporation providing credit solutions to underserved customers in emerging markets. The company uses proprietary technology and machine learning to deliver secured credit products that help customers achieve financial stability and access modern quality of life. With over 18 million customers served as of 2025, PayJoy combines point-of-sale financing, card offerings, and anti-fraud AI to serve both individual consumers and micro-entrepreneurs.
As a Software Development Engineer, you will be responsible for developing PayJoy's proprietary locking technology that underpins the company's credit offerings. This role spans full-stack development across web frontend, backend systems, and partner API integrations. You'll work on world-class app design and architecture while leveraging data science and machine learning capabilities to deliver innovative financial products.
Key responsibilities include:
- Building and maintaining backend systems that power credit decisioning and product delivery
- Developing frontend applications with focus on user experience and design excellence
- Integrating with partner APIs and third-party systems
- Contributing to the development of the company's proprietary technology stack
- Collaborating with data science and anti-fraud teams to implement cutting-edge ML and AI features
- Ensuring code quality, security, and scalability across all systems
This is an opportunity to work on mission-driven fintech technology that directly impacts financial inclusion in emerging markets, with a profitable, sustainable company that has achieved significant scale.
