Software Engineer

Job Summary The Credit Platform team builds the core foundation behind PayPal's global credit ecosystem, powering PayPal's credit products such as Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide. Job Description As a Software Engineer on the Credit Platform, you will design and build foundational backend systems that enable PayPal's credit products to grow and scale globally. You will work on complex, business‑critical systems where correctness, performance, security, and regulatory compliance are essential. Your day‑to‑day work will involve collaborating with cross‑functional teams to deliver high‑quality products. Essential Responsibilities Implements tasks within the Software Development Lifecycle (SDLC), receiving structure and oversight from more experienced staff. Follows well‑established internal conventions and standard procedures. Understands internal standards & processes and applies them to make technical decisions. Collaborates with peers, manager, and project lead to gain understanding of tasks and review solutions. May contribute to code & design reviews. Minimum Qualifications 1+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience. Preferred Qualifications 1+ years of backend development experience. Proficiency in at least one back‑end language (Java, Python, Ruby on Rails). Experience designing and implementing RESTful APIs for microservices, focusing on scalability and reliability. Experience with Spring Frameworks such as Spring Boot, Spring Security, Spring Data, Spring MVC, Spring Cloud, Spring Batch, and WebSocket or similar frameworks. Strong understanding of web services and Service‑Oriented Architecture (SOA) standards, including REST, OAuth, and JSON. Experience working with cloud platforms (AWS, GCP, Azure). Experience with databases (SQL, NoSQL). Strong understanding of database design and experience with ORM tools like Hibernate. Bachelor's degree in Computer Science or related field. Experience with large‑scale, high‑performance systems. Knowledge of the payment processing industry and relevant regulations. Contributions to open‑source projects. Compensation Base pay depends on location and experience. Scottsdale, Arizona: $100,500 – $149,600 annually. San Jose, California: $116,500 – $173,250 annually. Additional compensation may include an annual performance bonus, equity, or other incentive compensation. EEO Statement PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at View email address on click.appcast.io. #J-18808-Ljbffr