Senior Software Engineer - Martech (SF)

About PayJoy

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 cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety 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 senior Software Engineer Systems is responsible for defining the architectural direction and making high-impact technical decisions that wi l shape the development of platforms for MarTech Systems, which drive global customer acquisition, activation, engagement, and retention. 

Responsibilities

• Own medium-sized features and services end-to-end — including technical design, development, testing, deployment, and ongoing maintenance.
• Write clean, performant, secure, and wel-tested code with strong observability and monitoring.
• Independently break down requirements, manage risks, and deliver high-quality outcomes with predictable execution.
• Improve system reliability, scalability, and maintainability by addressing technical debt and operational gaps.
• Participate in architectural discussions and provide constructive design and code review feedback across the team.
• Colaborate with Product, Marketing, Data, and Operations to deliver scalable solutions that drive measurable business impact.
• Communicate progress, trade-offs, and risks clearly to peers and stakeholders.
• Contribute to onboarding, documentation, knowledge sharing, and a continuous improvement mindset.
• Participate in hiring activities, mentorship, and building a strong, inclusive engineering culture. 

Requirements

• Bachelor’s degree in Computer Science, Software Engineering, or a related technical field.
• 6–8+ years of software engineering experience, with ownership of production services and data-driven product features.
• Strong proficiency in at least one backend language or framework, and solid experience with cloud-native architectures, including APIs, microservices, and event-driven systems (AWS preferred).
• CRM / CDP integrations (Salesforce and at least one platform such as Marketo, Braze, or HubSpot)
• Support for paid media activation (search, social, display, programmatic)
• Personalization engines and retention tooling driving acquisition, engagement, and conversion
• Proven ability to execute independently, with strong judgment on when to raise risks, ask for help, or seek alignment.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively across Engineering, Marketing, Product, and Data teams, and contribute to an inclusive team culture.

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

• Company-funded health, dental, and vision insurance for employee and immediate family
• Company-funded employee life and disability insurance
• 401k contribution
• Company holidays; 20 days of vacations; unlimited sick leave
• Commuter benefit ($270/month)

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.

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening