Summary: The Senior Software Engineer builds technology for a unique cell phone-locking system, data-driven risk modeling, internal tools, and partner API integrations, ensuring software quality and functionality. Highlights: 1. Build user-friendly front-end applications (Android native & Web). 2. Collaborate on client-side and server-side architecture. 3. Stay current with industry trends to improve development processes. **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 Senior Software Engineer is responsible for building technology of our unique cell phone\-locking system, data\-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience ### **Responsibilities** * Build user\-friendly front\-end applications using both Android native and Web technologies as appropriate. * Work with development teams and product managers to develop software solutions. * Collaborate on the client\-side and server\-side architecture. * Being willing to contribute in Front/Back/Mobile when needed. * Stay up to date with industry trends and technologies to drive continuous improvement in software development processes. ### **Requirements** * Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. * 3\+ years of experience as Software Engineer, 2\+ years in native Android development is required, 2\+ years in full\-stack development in any front/end stack is a plus. * Experience in unit test and Backed is required, PHP or Python or any back/front stack is a plus. * A can\-do attitude and creative, flexible problem solving abilities. * Excellent communication and collaboration skills. * Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored. ### **Benefits** * 100% Company\-funded Health and dental and vision discount plan for employees and immediate family members. * Life insurance. * Phone finance, Headphone, home office equipment and wellness perks. * 30 days of Christmas bonus * 20 days paid Vacation * 50% Vacation premium * 13% Saving funds * $2,000 MXN monthly grocery coupons * $2,000 USD annual Co\-working Travel perk * $2,000 USD annual Professional Development perk * Catered lunches PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. **PayJoy Principles** Finance for the next billion \* Ownership \* Break Through Walls \* Live Communication \* Transparency \& Directness \* Focus on Scale \* Work\-Life Balance \* Embrace Diversity \* Speed \* Active Listening We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.