Software Engineer iOS

About Pay Joy

Pay Joy 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 Pay Joy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. Pay Joy’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.

The Staff Software Engineer IOS is responsible for executing iOS technical design and implementation, by writing software to create a high bar on code quality and model the decision-making and interpersonal behaviors that enable the features that expand financial opportunity for underserved communities around the world.

• Design, build, and operate our iOS app across multiple markets.
• Implement effective, resilient, and scalable features using Swift, Swift
  
  UI, modern iOS frameworks, unit/integration tests, and clean architecture practices.
• Ensure long-term system health, maintainability, and performance.
• Provide technical input on system-level decisions, identifying and resolving cross-team technical obstacles.
• Own the technical design, implementation, testing, rollout, and long-term maintenance of major iOS features.
• Be a strong participant in the end-to-end release process for Pay Joy’s iOS applications, ensuring timely, reliable, and high-quality delivery across Test Flight, App Store Connect, and production environments.
• Monitor build health, crash reports, and performance metrics during Test Flight and post-release, driving rapid iterations or rollbacks as needed.
• Proactively manage ambiguous or novel problem spaces, ensuring clarity and alignment for collaborating teams.
• Communicate clearly at both tactical and strategic levels, helping colleagues understand tradeoffs, timelines, and dependencies.

• Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
• 8+ years of professional experience building native iOS applications.
• Expert-level proficiency in Swift, iOS architectural patterns, async programming, iOS system security, and MDM-aware iOS apps.
• Experience managing Test Flight and App Store app submissions and handling App Store rejections.
• Demonstrated ability to deliver complex features end-to‑end across multiple teams for large‑scale mobile applications.
• Experience with one (or several!) of these areas: mobile credit/payments products, MDM and enterprise management, Android development, or emerging markets.
• Strong background in product experimentation, A/B testing, analytics, and reliability engineering.
• Exceptional communication, collaboration, and mentorship skills.
• A mindset aligned with Pay Joy’s mission of expanding financial access and culture of speed, transparency, direct communication, and adaptability.
• Advanced English Level

• Local benefits apply depending of the country of hiring
• Company-funded health for employee and immediate family
• Company-funded employee life and disability insurance
• Company holidays; local days of vacations; unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone finance, Headphone, home office equipment and wellbeing perks

$310,000 - $324,000 a year Salary applies to the USA candidates.

Pay Joy 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