Staff Software Engineer, Customer Onboarding

Payjoy · San Francisco, CA

Lever Posted Jan 20, 2026 First seen May 22, 2026
About PayJoy
PayJoy, a Public Benefit Corporation, 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 is responsible for leading our technical foundation for our Lending Systems teams (customer onboarding platforms, risk and offer engines, and partner-facing APIs) to drive innovation, while collaborating with other teams. The candidate must take on a mentoring role, design scalable systems, and influence cross-functional initiatives in a hands-on position where they will make key technical decisions and build critical services.

Our Lending Systems team at PayJoy serves 9+ international markets, each with a tailored customer experience. You'll build flexible, maintainable systems that scale with our products and adapt to evolving market demands. You'll balance system complexity, design abstractions, and service encapsulation.

This is an Individual Contributor role focused on designing and executing improvements to our technical foundation.