Software Engineer - Backend; Java

Pay Pal

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers.

We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. Pay Pal is more than a connection to third‑party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers. We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as to transfer and withdraw funds.

We enable consumers to exchange funds more safely with merchants using a variety of funding sources, including a bank account, a Pay Pal or Venmo account balance, Pay Pal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our Pay Pal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other.

We offer merchants an end‑to‑end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross‑border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross‑border trade.

We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

The Credit Platform team builds the core foundation behind Pay Pal’s global credit ecosystem, powering Pay Pal’s credit products like Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide. Our team supports credit products across the United States, Canada, the United Kingdom, France, Italy, Spain, Germany, and Australia, with plans to expand into additional markets in 2026.

We own and develop core credit business capabilities through well‑defined RESTful APIs that support the end‑to‑end credit application journey, from offers and eligibility through application, account management, and asset externalization. Our platform enables consistent and scalable credit experiences across products and markets.

• Implements tasks within the Software Development Lifecycle (SDLC), receiving structure and oversight from more experienced staff
• Follows well‑established internal conventions and standard procedures
• Understands internal standards & processes and applies them to make technical decisions
• Collaborates with peers, manager, and project lead to gain understanding of tasks and review solutions
• May contribute to code & design reviews

• 1+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience

As a Software Engineer on the Credit Platform, you will design, build, and operate backend services that support Pay Pal’s credit products. You will work on distributed systems in a highly regulated environment, contributing to solutions that prioritize correctness, reliability, performance, and security.

• Design, build, test, and maintain backend services that power Pay Pal’s credit products
• Contribute to the development of RESTful APIs and microservices used across credit workflows
• Implement features that support the credit application journey,…