Senior Software Engineer

PayJoy, Inc; Bogotá; Hybrid; COP 120,000,000 - 180,000,000; Full time

Benefits offered by this job

Health insurance

Life Insurance

Indefinite contract

20 days vacation

Co-working travel

Professional development

Home office equipment

Catered lunches

Job summary

PayJoy is seeking a Software Engineer in Bogotá to develop our locking technology, focusing on world-class app design, web frontend and backend, and partner API integrations for emerging markets.

You will code in PHP, JavaScript, HTML/CSS, and work with Product and global teams to deliver data-driven products while mentoring new engineers and contributing across the full lifecycle.

Qualifications

• Bachelor’s degree in computer science, software engineering, or 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.
• Team player with mentoring or peer programming experience.

Responsibilities

• Code software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS; design, test, and deploy features from product specs.
• Work with Product to deliver code addressing business needs.
• Use and manage relational SQL databases; perform CRUD operations.
• Design and implement database schema changes for new features.
• Build data-driven products and APIs for real-time partner data.
• Collaborate with global engineering teams and support partners’ needs.
• Mentor and document for new engineers; participate in code reviews and Agile practices.

Skills

Problem-solving

Teamwork

Analytical thinking

Education

Bachelor’s degree in Computer Science

Tools

PHP

Java

JavaScript

Vue

AngularJS

HTML

CSS

SQL

Job description

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 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

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