Job Description
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 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.
This role
The Staff Engineer leads the technical foundation of our Merchant organization, shaping how our user interfaces, APIs, and data systems evolve as we scale. This role is deeply hands-on: designing end-to-end application flows, modernizing service patterns, mentoring engineers, and driving cross-team architectural decisions that influence the entire platform. Responsibilities