Staff Software Engineer - Origination
PayJoyBogota, Bogota, Capital District, Colombia
Posted February 5, 2026
Full Time
About the Company
PayJoy is a mission-driven financial services provider focused on empowering under-served customers in emerging markets. Utilizing patented technology and advanced data science, including machine learning and AI, PayJoy transforms smartphones into digital collateral to offer low-cost credit solutions. With a strong track record of profitability and sustainability, the company has successfully extended $3 billion in credit to 16 million customers, doubling its customer base in two years.
Job Description
PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. The Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Merchant team to drive innovation, and taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives.
Requirements
- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 12+ years of experience as Software Engineer, in a fast-paced, high-growth environment, working with cloud platforms such as AWS, GCP, or Azure.
- Strong expertise in backend development with proficiency in one or more programming languages such as Java, Python, PHP, or similar; as well both relational and NoSQL databases.
- Solid understanding of distributed systems, system design principles.
- A can-do attitude and creative, flexible problem solving abilities, and the ability to think critically in ambiguous situations.
- Being a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.
- Strong written and verbal communication skills, with the ability to present technical concepts to non-technical stakeholders.
- Desirable experience with mobile technologies or mobile payment systems with the fraud and identity aspects of fintech, as well in building and maintaining large-scale systems used by millions of users.
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