Bogota, RAP (Especial) Central, Colombia · Hybrid
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 fo…
Skills: PHP, Javascript, Vue, AngularJS, HTML
San Francisco, California, United States · Hybrid
$250k–$270k/yr
PayJoy is a mission-driven, mission-first company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founde…
Skills: Fraud Prevention, Risk Management, Product Management, Machine Learning, AI/LLM Applications
Quito, Ecuador · Hybrid
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 fo…
Skills: SQL, Python, CRM Administration, Zoho CRM, Data Analysis
Ciudad de México, Mexico · Hybrid
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 fo…
Skills: Operations Management, Customer Support Management, BPO Management, Stakeholder Management, Resource Optimization
São Paulo, Brazil · Hybrid
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 fo…
Skills: Log Analysis, System Diagnostics, SQL, Python, Bash
Ciudad de México, Mexico · Hybrid
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 fo…
Skills: Financial Modeling, M&A Valuation, P&L Forecasting, Scenario Planning, Data Analysis
Lima, Lima, Peru · Hybrid
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 fo…
Skills: Legal Reasoning, Analytical Skills, Internal Auditing, External Auditing, Contract Drafting
Ciudad de México, Mexico · Hybrid
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 fo…
Skills: Product Management, Financial Software Implementation, SQL, Data Modeling, Stakeholder Management
São José do Rio Preto, São Paulo, Brazil · Hybrid
Sobre a PayJoy A PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeir…
Skills: Sales Prospecting, Relationship Management, CRM Management, Consultative Selling, Market Expansion
Araçatuba, São Paulo, Brazil · Hybrid
Sobre a PayJoy A PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeir…
Skills: Sales Prospecting, Relationship Management, CRM Management, Consultative Selling, Market Expansion
Bogota, RAP (Especial) Central, Colombia · Hybrid
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 fo…
Skills: PHP, Javascript, Vue, AngularJS, HTML
Panama City, Panamá Province, Panama · Hybrid
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 fo…
Skills: SQL, Power BI, Looker, Tableau, Excel
Panama City, Panamá Province, Panama · Hybrid
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 fo…
Skills: Account Management, Strategic Planning, Sales Execution, Customer Relationship Management, Data Analysis
Ciudad de México, Mexico · Hybrid
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 fo…
Skills: CRM Marketing, Lifecycle Marketing, Retention Marketing, Email Marketing, Audience Segmentation
Ciudad de México, Mexico · Hybrid
Acerca de PayJoy PayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestr…
Skills: Excel, Analytical skills, Communication skills, Problem solving, Process management
São Paulo, Brazil · Hybrid
Sobre a PayJoy A PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeir…
Skills: Sales Prospecting, Relationship Management, Consultative Selling, CRM Management, Market Analysis
Johannesburg, Gauteng, South Africa · Hybrid
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 fo…
Skills: Omnichannel Support, Customer Relationship Management, Zendesk, Microsoft Office, Google Suite
Ciudad de México, Mexico · Hybrid
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 fo…
Skills: Machine Learning, Python, Scikit-Learn, Pandas, Flask
Ciudad de México, Mexico · Hybrid
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 fo…
Skills: Machine Learning, Python, Scikit-Learn, Pandas, Flask
Taguig, Metro Manila, Philippines · Hybrid
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 fo…
Skills: Community Management, Digital Channel Engagement, Tier 2 Support, SLA Management, Knowledge Base Maintenance
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Develop unique locking technology and credit-based products for emerging markets using a full-stack approach. Responsibilities include designing APIs, managing SQL databases, and mentoring new engineers within an Agile environment.
Requires a Bachelor's degree in a technical field and over 8 years of experience in financial technology services. Proficiency in PHP, Java, Javascript, and SQL is essential, along with strong collaboration and problem-solving skills.
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.
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.
\nResponsibilitiesPayJoy 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.
Finance for the next billion Ownership Break Through Walls Live Communication Transparency & Directness Focus on Scale Work-Life Balance Embrace Diversity Speed * Active Listening
Finance for the next billion
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 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 nearly 20 million customers and lent nearly $4B across 9 countries while achieving solid profitability and growth.
Offices: 655 4th St, San Francisco, California 94107, US · Alcaldía Cuauhtemoc, Ciudad de México, MX · Avenida Paulista, São Paulo, SP, BR · William Nicol Drive & Wedgewood Link Road, Bryanston, Sandton, 2191, ZA · Calle 90 # 12 - 28, Bogotá, CO
Finance for the next billion
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 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 nearly 20 million customers and lent nearly $4B across 9 countries while achieving solid profitability and growth.
Offices: 655 4th St, San Francisco, California 94107, US · Alcaldía Cuauhtemoc, Ciudad de México, MX · Avenida Paulista, São Paulo, SP, BR · William Nicol Drive & Wedgewood Link Road, Bryanston, Sandton, 2191, ZA · Calle 90 # 12 - 28, Bogotá, CO
