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Payjoy
San Francisco, California

Software Engineer - New Grad

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About this role

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 credit cards, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety 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

We are looking for exceptional new graduate Software Engineers who are passionate about building scalable systems and impactful products used by millions of people. As a Software Engineer, you will collaborate with experienced engineers, product managers, and designers to design, develop, and ship high-quality software.

This role is designed for recent graduates from top-tier universities who want to work on challenging technical problems in a fast-paced environment.


We are looking for exceptional new graduate Software Engineers who are passionate about building scalable systems and impactful products used by millions of people. As a Software Engineer, you will collaborate with experienced engineers, product managers, and designers to design, develop, and ship high-quality software. This role is designed for recent graduates from top-tier universities who want to work on challenging technical problems in a fast-paced environment.

Responsibilities
  • Design, develop, test, and maintain scalable backend and frontend systems.
  • Write clean, maintainable, and efficient code.
  • Collaborate with cross-functional teams to deliver product features end-to-end.
  • Participate in code reviews and contribute to engineering best practices.
  • Work on distributed systems, APIs, data pipelines, or user-facing applications.
  • Continuously learn and apply new technologies and frameworks.


    • Qualifications
  • Bachelor’s or Master’s degree in Computer Science, Computer Engineering, or related field.
  • Graduation within the last 12 months.
  • Strong programming skills in at least one language such as PHP, Python, Java, C++, Go, or JavaScript.
  • Solid understanding of data structures, algorithms, and system design fundamentals.
  • Experience with software development through internships, research, or personal projects.


    • Preferred Qualifications
  • Degree from a highly selective university such as Stanford University, Princeton University, or Massachusetts Institute of Technology.
  • Previous internship experience at leading technology companies.
  • Experience building production-level systems, open-source contributions, or startup projects.
  • Familiarity with cloud platforms, distributed systems, or machine learning.


    • What we offer
  • Competitive salary and equity package.
  • Mentorship from senior engineers and technical leaders.
  • Opportunities to work on high-impact products at scale.
  • Collaborative and innovative engineering culture.
  • Learning and development opportunities.


    • Benefits
  • 100% Company-funded health insurance for employee and immediate family
  • Company-funded employee life and disability insurance
  • $2,000 annual Co-working Travel perk
  • $2,000 annual Professional Development perk
  • $340 Monthly Commuter benefit
  • 401k contribution of 3% of salary (up to IRS limits)
  • Headphone benefit, home office equipment allowance and wellness perks
  • Catered lunches
  • 20 paid vacation days, unlimited sick leave


    • 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.


    Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening