Salary
≈ $63k – $127k per year (Estimated)
Location
Hybrid (Mexico City, Mexico)
Seniority
Senior · 8+ years exp
Employment
Full-Time
Confirmed on the employer's own hiring board on Oct 27, 2026. First seen by Alion on Jul 22, 2026. PayJoy scores B on the Alion truth index.
Overview
Company
Impact
Profile match
PayJoy is a financial technology company that lets people in emerging markets buy smartphones on credit, using device-locking technology as security and building a credit history for customers who have none. It operates in Mexico, Colombia, Indonesia, India, South Africa and other markets through retail partners and also offers cash loans to customers with a repayment record. Founded in 2015, the company is headquartered in San Francisco, California, United States.
Backed by Greylock, Union Square Ventures, Compound
The Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.
Responsibilities
- Code software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS. Design, implement, test, debug, and deploy features and services from product specification.
- Work with the Product team to deliver code that addresses business needs.
- Use and manage relational SQL databases. Use SQL programming language to perform Create, Retrieve, Update, and Delete operations (DDL and DML commands).
- Design and implement database schema changes to support new features.
- Understand the importance of customer data. Proper handling of customer’s sensitive information.
- Build data driven products
- Work with global engineering teams and partners to deliver great products into international markets.
- Design and implement tools to guarantee that remote teams are able to support partners’ needs.
- Build APIs to deliver the data partners need in real-time.
- Build independently and/or take ownership of sets of features.
- Contribute to feature development across the full life-cycle: requirements to implementation, requirement changes, follow-up implementation, and bug fixes.
- Grow the engineering team. Provide mentorship and documentation for new engineers. Interview new candidates for the teamBe willing to work in a collaborative environment.
- Participate in code reviews as an important part of the job. Be able to work collaboratively with other engineers using engineering practices but not limited to , pair programming and TDD. Willing to work in an Agile environment.
Requirements
- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 8 + years of experience in financial technology services.
- Proficiency in front-end and back-end technologies, PHP, Java, Javascript/Vue/AngularJS, HTML, CSS, SQL.
- Strong problem-solving and analytical skills.
- Excellent communication and collaboration skills.
- Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.
Nice to Have
- 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
- 100% Company-funded Health for employees and immediate family members
- Life Insurance
- Indefinite-term contract
- 20 days of vacations, unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone finance, headphone benefit, home office equipment allowance and wellness perks
- Catered lunches
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