About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
As a Software Engineer within PayJoy’s team, you will build the technology to support millions of customers worldwide. Our unique locking technology combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets. We're also focused on world-class app design, web frontend and backend, and partner API integrations. As a key part of PayJoy’s global engineering team, you need to be up for any technical challenge and willing to learn new technologies.
Responsibilities
- Code software primarily in Python (Django), PHP
- Design and build RESTful services and API integrations with 3rd party payment providers
- Build payment integrations with 3rd party Payment vendors
- Build producers/consumers to propagate data downstream
- Design data models that align with long term data strategy
- Support and maintain Payment applications that process ~180k payments per day
- Write design documentation for services that will include diagrams and proposed models (tables).
Requirements
- Proficient knowledge of back-end programming languages (5+ years) Python (Django), PHP
- Proficient in designing and building RESTful services and APIs
- Proficient in database schema design (Relational DBs, MYSQL, Postgres)
- Good understanding of integration with 3rd party payment providers
- Good understanding of data streaming solutions (ex: Kafka)
- Solid understanding of caching solutions (ex: Memcache, Redis)
- Solid understanding of scheduling solutions (ex: Celery)
- Knowledge of GraphQL is a plus.
- Solid understanding of JWT authentication.
Benefits
- *Local benefits will depend of the country of hiring*
- 100% Company-funded Health and Dental insurance for employees and immediate family members.
- 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
Top Skills
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.
Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
