---
title: 'Senior Software Engineer at PayJoy'
canonical: 'https://feeny.ai/job/senior-software-engineer-payjoy-san-francisco-dmr93zs0ngt1'
type: 'job'
last_seen: '2026-10-17'
---

# Senior Software Engineer at PayJoy

- **Company:** PayJoy
- **Location:** San Francisco, CA
- **Compensation:** $268k–$275k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-13
- **Last confirmed live:** 2026-10-17
- **Apply:** https://jobs.lever.co/payjoy/0b76b537-dbe7-40ae-9204-1d4f4d9f724c

## 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

Position Overview | PayJoy provides credit access to millions of customers across 11 countries. As we expand from smartphone financing to broader credit products, customer communication is vital to our product experience. The Senior Software Engineer, Communications Platform, will help design and build a consolidated, reliable, and observable messaging platform for SMS, email, and WhatsApp, collaborating closely with Identity, Fraud, CDP, and Onboarding teams.

## Key responsibilities|

Design and build a centralized contact repository linking phone numbers, emails, hardware IDs, and user accounts. Establish internal notification APIs with well-defined contracts, semantic versioning, clear documentation, and strict SLAs. Implement dynamic traffic routing, vendor failover, and end-to-end delivery monitoring across providers like Twilio, Infobip, and WhatsApp. Embed safety controls including rate limiting, deduplication, suppressions, channel preference ordering, and compliance rules into the platform. Enhance data architecture and streaming pipelines to capture real-time delivery telemetry, reachability metrics, and per-message costs. Migrate active notification workloads from legacy systems to the core platform without downtime. Ensure high system availability and scale through monitoring, automated retries, idempotency controls, and traffic handling. Maintain regulatory compliance and recordkeeping for outbound messaging across international markets such as India and Brazil. Write clean, performant, and well-tested code following TDD practices with comprehensive test suites. Create clear technical documentation and onboarding materials for internal teams adopting the platform. Conduct code and design reviews while mentoring engineers on platform patterns and messaging best practices.

## Qualifications |

Bachelor’s degree in Computer Science, Software Engineering, or equivalent practical experience. 5+ years of software engineering experience focusing on backend infrastructure and distributed systems. Hands-on experience with messaging channels (SMS, Email, Push, WhatsApp) and platforms like Twilio, Infobip, or SendGrid. Experience designing multi-tenant APIs and internal platform services with clear SLAs and versioning controls. Familiarity with event-driven architecture and streaming technologies such as Kafka, AWS SQS/SNS, or RabbitMQ. Strong data modeling skills, including unifying user identity records across disparate systems. Proficiency with system resilience patterns (retries, idempotency, rate limiting, failover) and monitoring tools like Datadog. Strong proficiency with Git, Kubernetes, and cloud platforms like AWS or GCP. Proficiency in core backend languages; PHP framework experience (Slim or Laravel) is a plus. Knowledge of international messaging compliance, consent management, and suppression rules is desirable. Background in fintech, digital lending, or regulated global industries is preferred. Track record of executing zero-downtime production migrations. Strong analytical and structured problem-solving skills. Excellent cross-functional communication and stakeholder management capabilities. Adaptable mindset with a passion for continuous learning and modern platform practices. Strong sense of ownership, personal accountability, and technical precision. Effective task prioritization and time management in a fast-paced engineering environment.

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. Manager Business Operations](https://feeny.ai/job/sr-manager-business-operations-payjoy-johannesburg-hby1zw0cp4mp) — Johannesburg, South Africa
- [Treasury Analyst](https://feeny.ai/job/treasury-analyst-payjoy-lima-3qt9cam7hb2t) — Lima, Peru
- [Merchant Operations Supervisor](https://feeny.ai/job/merchant-operations-supervisor-payjoy-jakarta-dccvfa4c1cyy) — Jakarta, Indonesia
- [Merchant Operations Representative](https://feeny.ai/job/merchant-operations-representative-payjoy-jakarta-ggq5z3af80kg) — Jakarta, Indonesia
- [Promoter Manager](https://feeny.ai/job/promoter-manager-payjoy-johannesburg-6pv74vxnq3h7) — Johannesburg, South Africa
- [Promotor Eventual](https://feeny.ai/job/promotor-eventual-payjoy-panama-city-gdssf6pr6v11) — Panama City, Panama
- [Merchant Operations Analyst](https://feeny.ai/job/merchant-operations-analyst-payjoy-sao-paulo-pq1vendsdmd1) — São Paulo, Brazil
- [Supervisor de operaciones de soporte](https://feeny.ai/job/supervisor-de-operaciones-de-soporte-payjoy-lima-gpn2ta9pyjwr) — Lima, Peru
- [Fraud Operations Representative](https://feeny.ai/job/fraud-operations-representative-payjoy-mexico-city-160rp1wq8vtd) — Mexico City, Mexico
- [Collections Tools Analyst](https://feeny.ai/job/collections-tools-analyst-payjoy-mexico-city-5f8v1w7nxt2c) — Mexico City, Mexico