Sr Software Engineer - Backend; Java

Job Summary

The Credit Platform team builds the core foundation behind Pay Pal’s global credit ecosystem, powering Pay Pal’s credit products such as Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide. 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, enabling consistent and scalable credit experiences across products and markets.

• Deliver complete solutions spanning all phases of the Software Development Lifecycle (SDLC) – design, implementation, testing, delivery, and operations, based on definitions from senior roles.
• Advise immediate management on project‑level issues.
• Guide junior engineers.
• Operate with little day‑to‑day supervision, making technical decisions based on knowledge of internal conventions and industry best practices.
• Apply knowledge of technical best practices in making decisions.

• Design, build, and evolve large‑scale backend services that power Pay Pal’s credit products.
• Partner with product, risk, compliance, and engineering teams to translate complex business and regulatory requirements into robust technical solutions.
• Build reusable, configuration‑driven systems that support rapid product launches and market expansion.
• Develop event‑driven, asynchronous services using messaging and streaming technologies such as Kafka and Pulsar.
• Improve system scalability, performance, reliability, and observability as platform usage grows globally.
• Contribute to technical direction through design reviews, mentorship, and shared engineering standards.

• Bachelor’s degree or higher in Computer Science, Engineering, or a related field.
• 5+ years of professional experience in software engineering.
• 5+ years of experience in Java, building RESTful APIs using Spring Boot or similar frameworks.
• Proven experience designing microservice architectures and operating high‑concurrency production systems.
• Experience with relational databases (Oracle, MySQL), No
  
  SQL databases (Dynamo
  
  DB), and analytical data warehouses (Big Query).
• Strong understanding of data modeling, SQL optimization, and database fundamentals beyond basic CRUD.
• Hands‑on experience building event‑driven systems, including messaging or streaming platforms such as Kafka or Pulsar.
• Experience with asynchronous programming patterns for decoupled, resilient services.
• Demonstrated ability to write reliable, scalable, maintainable, secure, and performant code.
• Strong communication skills with the ability to influence technical decisions and mentor other engineers.

• Experience building and operating services on cloud platforms such as GCP or AWS.
• Background in payments, credit, or financial services.
• Strong foundation in large‑scale distributed system architecture, including fault tolerance, observability, and cost optimization.

Base pay is dependent on location and experience. For Scottsdale, Arizona, the expected range is $ – $ annually, plus potential performance bonus, equity, or other incentive compensation.

Pay Pal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. Pay Pal will provide reasonable accommodations for qualified individuals with disabilities.

If you are unable to submit an application because of incompatible assistive technology or a disability, please contact paypalgloba