PayJoy · 17 hours ago
Senior Software Engineer - Martech (SF)
San Francisco, CA
Full-time
Onsite
Senior Level
6+ years expPayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. The Senior Software Engineer is responsible for defining the architectural direction and making high-impact technical decisions that shape the development of platforms for MarTech Systems, driving global customer acquisition, activation, engagement, and retention.
CreditEmerging MarketsFinancial ServicesFinTechMobile
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
Collaborate 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
Qualification
Required
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
Preferred
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)
Company
PayJoy
PayJoy is a financial service company that provides affordable smartphone financing to people in emerging markets.
1001-5000 employees
H1B Sponsorship
PayJoy has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (7)
2024 (9)
2023 (3)
2022 (25)
2021 (7)
2020 (3)
Funding
Current Stage
Late StageTotal Funding
$585.65MKey Investors
Neuberger BermanWarburg PincusCiti
2025-12-02Debt Financing· $140M
2023-09-05Series C· $150M
2023-09-05Debt Financing· $210M
Leadership Team
Doug Ricket
Founder & CEO
Gib Lopez
Co-Founder & COO
Recent News
Greylock Perspectives
2025-12-30
Greylock
2025-12-30
2025-12-24
Company data provided by crunchbase