---
title: 'Senior Software Engineer at PayJoy'
canonical: 'https://feeny.ai/job/senior-software-engineer-payjoy-bogota-0zk41qvbsf5j'
type: 'job'
last_seen: '2026-11-07'
---

# Senior Software Engineer at PayJoy

- **Company:** PayJoy
- **Location:** Bogotá, Colombia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-05-12
- **Last confirmed live:** 2026-11-07
- **Apply:** https://jobs.lever.co/payjoy/92acf40d-ca92-4804-b0bc-84ac70ec3b66

## Job description

## 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 Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.

## Responsibilities

- Code software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS. Design, implement, test, debug, and deploy features and services from product specification.
- Work with the Product team to deliver code that addresses business needs.
- Use and manage relational SQL databases. Use SQL programming language to perform Create, Retrieve, Update, and Delete operations (DDL and DML commands).
- Design and implement database schema changes to support new features.
- Understand the importance of customer data. Proper handling of customer’s sensitive information.
- Build data driven products
- Work with global engineering teams and partners to deliver great products into international markets.
- Design and implement tools to guarantee that remote teams are able to support partners’ needs.
- Build APIs to deliver the data partners need in real-time.
- Build independently and/or take ownership of sets of features.
- Contribute to feature development across the full life-cycle: requirements to implementation, requirement changes, follow-up implementation, and bug fixes.
- Grow the engineering team. Provide mentorship and documentation for new engineers. Interview new candidates for the teamBe willing to work in a collaborative environment.
- Participate in code reviews as an important part of the job. Be able to work collaboratively with other engineers using engineering practices but not limited to , pair programming and TDD. Willing to work in an Agile environment.

## Requirements

- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 8 + years of experience in financial technology services.
- Proficiency in front-end and back-end technologies, PHP, Java, Javascript/Vue/AngularJS, HTML, CSS, SQL.
- Strong problem-solving and analytical skills.
- Excellent communication and collaboration skills.
- Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.

## Nice to Have

- Experience with Adobe Experience Platform (AEP).
- Exposure to omnichannel activation (email, push, SMS, in-product).
- Interest in growing toward Staff / architecture responsibilities.
- Experience in product-led or growth-driven companies.

## Benefits

- 100% Company-funded Health for employees and immediate family members
- Life Insurance
- Indefinite-term contract
- 20 days of vacations, unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone finance, headphone benefit, home office equipment allowance and wellness perks
- Catered lunches

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

## About PayJoy

## Company Overview
- **One-liner**: PayJoy provides secured phone financing and cash loans to underserved customers in emerging markets, using patented technology to enable credit access without a bank account or credit history.
- **Entity Type**: Private (Public Benefit Corporation) – Total funding $635.6M across 14 rounds.
- **Headquarters**: San Francisco, California, United States (with regional hubs in Africa, Asia, and Latin America)
- **Founded**: 2015
- **Founders**: Doug Ricket

## Core Business
- **Primary industry**: Financial Services (Fintech – secured consumer credit)
- **Target customers**: B2C (underbanked individuals in emerging markets) and B2B (retailers offering point-of-sale financing)
- **Mission**: Bring financial access to emerging markets, helping customers achieve financial stability and success. As a Public Benefit Corporation, PayJoy is legally committed to customer financial well‑being.

## Products & Services
- **Phone Financing**: Pay‑as‑you‑go smartphone financing with no accruing interest, fixed transparent pricing, and no late fees. Customers need only an ID – no bank account or credit history required.
- **Cash Loans**: Credit offerings for micro‑entrepreneurs and as insurance for tough times, with flexible payments and no penalty for being behind.

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metric**: Annual revenue of $320M (LinkedIn estimate); Total funding $635.6M
- **Notable Investors/Partners**: Not explicitly listed in provided sources, but the company has raised 14 funding rounds and operates in 9 countries across 3 continents.
- **Growth Signals**: 20M+ customers served, nearly $4B lent, 909 employees (+46.4% YoY), carbon neutral since 2022, active in 9 countries (including Mexico, Brazil, Peru, South Africa, India).

## Competitive Advantages
- Patented secured‑credit technology that enables lending without traditional credit history.
- No accruing interest, no late fees, and no penalty for missed payments – differentiates from predatory lenders.
- Public Benefit Corporation status legally commits the company to customer financial well‑being.
- Advanced machine learning, data science, and anti‑fraud AI for credit scoring.
- Deep operational presence on the ground in multiple emerging markets.

## Strategic Focus
- Scale global impact by expanding into new countries and deepening existing markets.
- Use data and AI to improve credit access and financial inclusion.
- Maintain transparent, customer‑first lending practices while achieving profitability.
- Continue hiring across engineering, data science, sales, and operations roles.

## Why Work Here
- **Mission‑driven**: Work on products that directly improve financial well‑being for millions of underserved people.
- **Culture**: Emphasizes transparency, directness, focus on scale, work‑life balance, and diversity. Employees rate culture 4.4/5 on LinkedIn.
- **Remote/Hybrid**: Global team with offices in San Francisco, Mexico City, and regional hubs; many roles appear location‑specific (e.g., Mexico City, São José).
- **Benefits**: Market‑competitive compensation, health & wellness benefits, parental leave, professional development funds, paid time off.
- **Growth**: Rapidly growing company (46% headcount growth YoY) with opportunities to shape products and services from day one.

## Sources
1. [PayJoy Careers Page](https://www.payjoy.com/careers)
2. [PayJoy About Page](https://www.payjoy.com/about)
3. [PayJoy Homepage](https://www.payjoy.com/)
4. [PayJoy Jobs on Lever](https://jobs.lever.co/payjoy/)
5. [PayJoy LinkedIn Company Page](https://www.linkedin.com/company/payjoy)

## Other roles at PayJoy

- [Sr. Marketing Mananger](https://feeny.ai/job/sr-marketing-mananger-payjoy-bogota-spwz4x5vty76) — Bogotá, Colombia
- [Representante de ventas - Medellín](https://feeny.ai/job/representante-de-ventas-medellin-payjoy-medellin-khbd9z51dtce) — Medellín, Colombia
- [Associate Quality Audit Analyst](https://feeny.ai/job/associate-quality-audit-analyst-payjoy-bogota-qwmtwaskdeva) — Bogotá, Colombia
- [Field Sales Manager](https://feeny.ai/job/field-sales-manager-payjoy-bengaluru-abz58ekkxvgw) — Bengaluru, India
- [Junior IT Specialist](https://feeny.ai/job/junior-it-specialist-payjoy-san-francisco-afcmwarbm3ss) — San Francisco, CA
- [Clerk Support Representative](https://feeny.ai/job/clerk-support-representative-payjoy-mexico-city-tqkn32rds5sc) — Mexico City, Mexico
- [Clerk Support Supervisor](https://feeny.ai/job/clerk-support-supervisor-payjoy-colombia-pefz8yqbcyjd) — Colombia
- [Key Account Lead](https://feeny.ai/job/key-account-lead-payjoy-peru-n5n388m23cpq) — Peru
- [Senior Manager, People Operations](https://feeny.ai/job/senior-manager-people-operations-payjoy-mexico-city-p8tdzsqc5e5z) — Mexico City, Mexico
- [CRM Analyst | Zoho](https://feeny.ai/job/crm-analyst-zoho-payjoy-mexico-city-9e4d94b1j6vz) — Mexico City, Mexico