.About PayJoyPayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.This roleAs a Software Engineer at PayJoy, you will play a critical role in developing and maintaining the core systems and infrastructure that power our data science applications. This is a backend focused position.You will work closely with other engineers, data scientists, risk/fraud analysts and product managers to build robust APIs, develop efficient backend services and support machine learning serving initiatives.In this role, you will contribute to creating and maintaining scalable solutions that handle hundreds of millions of transactions per month, ensuring high performance and reliability with a focus on data as a principle. Your work will be instrumental to enhance the impact of the team as it will be a central point of serving both internal and external services.You will be part of a data science team on a mission to improve access to credit and technology in emerging markets with the opportunity of creating a big and real positive impact to our millions of users across the countries we operate in.ResponsibilitiesCollaborate with global teams including Risk, Fraud, Engineering and Product to deliver world-class data science products to international markets, including decisioning APIs and external integrations for real time data consumption.Own the life cycle (design, development, deployment, delivery and monitoring) of the APIs that power 300 million transactions per month and ensure they have optimal performance.Drive the integration with 3rd parties and other internal sources of data for enrichment and machine learning inference.Work with a data-driven mindset and understand the critical importance of handling data properly and safely.Organize frameworks and develop processes in our codebase so that the easy and default coding style is cleanly structured.Mentor other engineers and data scientists about best practices in engineering.RequirementsBachelor's degree in Computer Science, Engineering, or a related field.3+ years of experience as a software engineer, data engineer or a closely related position with a proven track record of developing and maintaining APIs and backend systems.Good verbal and written communication skills in English.High proficiency in Python and a strong understanding of its related libraries and frameworks (e.G., FastAPI, Flask, Pandas, etc.)