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 at PayJoy, you will play a critical role in developing and maintaining the core systems and infrastructure that power our data science applications. This is a backend focused position.
You will work closely with other engineers, data scientists, risk/fraud analysts and product managers to build robust APIs, develop efficient backend services and support machine learning serving initiatives.
In this role, you will contribute to creating and maintaining scalable solutions that handle hundreds of millions of transactions per month, ensuring high performance and reliability with a focus on data as a principle. Your work will be instrumental to enhance the impact of the team as it will be a central point of serving both internal and external services.
You will be part of a data science team on a mission to improve access to credit and technology in emerging markets with the opportunity of creating a big and real positive impact to our millions of users across the countries we operate in.
Responsibilities
Collaborate with global teams including Risk, Fraud, Engineering and Product to deliver world-class data science products to international markets, including decisioning APIs and external integrations for real time data consumption.
Own the life cycle (design, development, deployment, delivery and monitoring) of the APIs that power 300 million transactions per month and ensure they have optimal performance.
Drive the integration with 3rd parties and other internal sources of data for enrichment and machine learning inference.
Work with a data-driven mindset and understand the critical importance of handling data properly and safely.
Organize frameworks and develop processes in our codebase so that the easy and default coding style is cleanly structured.
Mentor other engineers and data scientists about best practices in engineering.
Requirements
Bachelor's degree in Computer Science, Engineering, or a related field.
3+ years of experience as a software engineer, data engineer or a closely related position with a proven track record of developing and maintaining APIs and backend systems.
Good verbal and written communication skills in English.
High proficiency in Python and a strong understanding of its related libraries and frameworks (e.g., FastAPI, Flask, Pandas, etc.).
Strong background in API development and integration, particularly focused on managing large volumes of data (e.g., REST is preferred but other protocols work).
Experience with API documentation tools (e.g., Swagger).
Demonstrated experience with cloud providers (AWS preferred) and related data services (e.g., databases, storage, serverless computing).
Ability to work in a fast paced environment with constant requirement changes.
Benefits
Company-funded Health and Dental Insurance for employees and immediate family members
Life insurance
30 days of Christmas bonus
20 days paid Vacation
50% Vacation premium
13% Saving funds
$2,000 MXN monthly grocery coupons
$2,000 USD annual Coworking Travel allowance
$2,000 USD annual Professional Development allowance
$500 USD annual Fitness allowance
$500 USD Phone Finance allowance
$250 USD Home Office equipment allowance
$200 USD Headphone allowance
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.
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