Financial service provider helping under-served customers in emerging markets through smartphone-based lending and AI technology.

PayJoy is a mission-driven financial service provider revolutionizing access to credit in emerging markets through innovative smartphone-based lending technology. As of 2024, they've provided billions in credit to 12 million customers while maintaining profitability. The Machine Learning Engineering Manager role is a crucial leadership position responsible for overseeing the entire ML modeling lifecycle, from feature generation to deployment. The role involves leading a talented team of ML engineers, developing and optimizing models for fraud detection, credit risk, and other critical applications.

The ideal candidate will bring 5+ years of technical experience and 2+ years of leadership experience, combining strong technical ML expertise with people management skills. They'll work at the intersection of data science, engineering, and business, collaborating with global teams to deliver impactful solutions. The position offers the opportunity to work on meaningful problems that directly affect financial inclusion while using cutting-edge ML technologies.

The role offers competitive benefits including comprehensive health coverage, professional development opportunities, and various perks. PayJoy's culture emphasizes principles like ownership, transparency, work-life balance, and diversity, making it an ideal environment for those passionate about using technology for social impact while growing their career in ML leadership.

Lead ML engineering team at PayJoy, developing and deploying models for fraud detection and credit risk in emerging markets.

Machine Learning Engineering Manager

PayJoy is a financial service provider helping under-served customers in emerging markets through smartphone-based digital collateral and AI technology.

PayJoy is revolutionizing financial services in emerging markets by leveraging innovative smartphone-based digital collateral and advanced AI technology. As the Engineering Lead for Cloud Infrastructure and Developer Productivity, you'll spearhead the development and operations of our AWS and Kubernetes-based platform that powers all backend applications. This role combines technical leadership with hands-on development, requiring expertise in cloud infrastructure, DevOps practices, and team mentorship.

You'll be responsible for designing and implementing scalable solutions, optimizing workflows, and maintaining robust CI/CD pipelines. The position demands close collaboration with cross-functional teams to understand and meet evolving needs while ensuring platform adaptability. You'll play a crucial role in establishing and maintaining high standards for code quality, system reliability, and developer productivity.

The ideal candidate brings 8+ years of experience in software engineering or DevOps, with deep knowledge of AWS, Kubernetes, and modern development practices. You'll need strong technical skills in languages like Python or Go, experience with infrastructure as code, and a proven track record of leading engineering teams. This role offers the opportunity to make a significant impact on both technical infrastructure and team development while contributing to PayJoy's mission of bringing financial services to underserved markets.

Working in a hybrid environment in San Francisco, you'll enjoy comprehensive benefits including full health coverage, professional development opportunities, and various perks. Join PayJoy to help shape the future of financial technology while working with cutting-edge cloud technologies and contributing to meaningful social impact.

Lead cloud infrastructure and developer productivity engineering role at PayJoy, focusing on AWS and Kubernetes platform development and optimization.

Staff Software Engineer

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. As a Senior Data Engineer, you will play a key role in designing, developing, and maintaining scalable and efficient data pipelines to support the organization's data needs. You'll be responsible for ensuring the smooth and reliable flow of data across various systems and platforms, enabling teams to access accurate and actionable data for decision-making. Your expertise will be crucial in optimizing data architecture, transforming raw data into usable formats, and ensuring data integrity, security, and availability.

Key responsibilities include:
- Designing and developing data pipelines for batch and real-time processing
- Developing and maintaining a data strategy aligned with business objectives
- Evaluating and implementing the latest data engineering tools and technologies
- Performance tuning of SQL queries and addressing bottlenecks
- Managing and maintaining production AWS RDS MySQL, Aurora, and Postgres databases
- Serving as the primary point of contact for database performance and usage-related knowledge
- Implementing monitoring solutions and troubleshooting data pipeline issues
- Maintaining comprehensive documentation of systems, pipelines, and processes
- Collaborating with data science, analytics, and product teams

Requirements:
- 5+ years of experience in data engineering
- Deep understanding of data engineering concepts, ETL/ELT processes, and cloud platforms
- Proficiency in programming languages such as Python, Scala, or Java, and experience with SQL and NoSQL databases
- Strong experience in designing and implementing data architectures
- Hands-on experience with tools like Apache Spark, Kafka, Snowflake, Airflow, and Databricks
- Bachelor's or Master's degree in Computer Science, Engineering, Data Science, or a related field

PayJoy offers various benefits, including travel and professional development allowances, fitness and home office equipment allowances, and more. The company is committed to equal employment opportunity and embraces diversity.

Senior Data Engineer role at PayJoy, designing and maintaining scalable data pipelines for financial services in emerging markets.

Senior Data Engineer

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. We use patented technology that turns smartphones into digital collateral, along with cutting-edge machine learning, data science, and anti-fraud AI to offer low-cost credit to a wide range of customers.

As a Software Engineer at PayJoy, you'll play a critical role in developing and maintaining core systems and infrastructure for data science applications. This backend-focused position involves working closely with engineers, data scientists, risk/fraud analysts, and product managers to build robust APIs, develop efficient backend services, and support machine learning serving initiatives.

You'll contribute to scalable solutions handling hundreds of millions of transactions monthly, ensuring high performance and reliability with a data-centric approach. Your work will be crucial in enhancing the team's impact as a central point for serving both internal and external services.

Key responsibilities include:
- Collaborating with global teams to deliver world-class data science products
- Owning the lifecycle of APIs powering 300 million transactions per month
- Driving integration with 3rd parties and internal data sources
- Working with a data-driven mindset
- Organizing frameworks and developing clean coding processes
- Mentoring other engineers and data scientists on best practices

This role offers the opportunity to create a significant positive impact for millions of users across multiple countries, improving access to credit and technology in emerging markets.

Join PayJoy and be part of a mission to bring finance to the next billion, embracing principles such as ownership, breaking through walls, transparency, focus on scale, and embracing diversity.

Backend-focused Software Engineer role at PayJoy, developing data science applications and APIs for financial services in emerging markets.

Software Engineer

PayJoy is a mission-driven 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.

PayJoy, a mission-driven company founded in 2015, is seeking a Software Engineer specializing in Android Firmware. This role is crucial in strengthening the lock technology that underpins PayJoy's loan products. The position involves deep Android development with a focus on sub-Android techniques for securing devices.

The ideal candidate will work on research and development projects to improve PayJoy's Android-based locking technology through firmware-level enhancements. This challenging role requires extensive collaboration with the Android SoC/OEM technology stack and ecosystem, as well as with PayJoy's proprietary MDM solution, PayJoy Access.

Key responsibilities include:
1. Implementing firmware-level enhancements to improve PayJoy's Android-based locking technology
2. Collaborating intensively with the Android SoC/OEM technology stack and ecosystem
3. Working with PayJoy's MDM solution, PayJoy Access

Requirements for this position are:
1. 5+ years of experience developing ARM-based Hypervisor and Trusted Applications (TA)
2. Proficiency in writing BSP-level code and interfacing with SOCs
3. Experience with AOSP and Android firmware development, including interfacing with peripherals
4. Strong technical communication skills in English, both written and verbal
5. Ability to create architecture diagrams and documents

This role offers high challenge and high reward, as stronger locks mean more secure loans, enabling PayJoy to offer smartphones and credit to a wider audience. The position requires adaptability, independence, persistence, and collaboration skills. While the initial focus is on research, the ultimate goal is to integrate this work into existing products.

Join PayJoy in their mission to help a billion people step into the modern financial system and support them on a path to financial success. This is an opportunity to work on cutting-edge technology that has a direct impact on improving access to credit and smartphones for underserved populations worldwide.

Join PayJoy as a Software Engineer - Android Firmware to develop cutting-edge locking technology for secure smartphone loans, impacting global financial inclusion.

PayJoy Engineering Jobs

Financial service provider helping under-served customers in emerging markets through smartphone-based lending and AI technology.