Software Engineer, Backend Developer, Cloud Engineer - Software

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.

As a Software Engineer on the Credit Platform, you will design and build foundational backend systems that enable Pay Pal's credit products to grow and scale globally. You will work on complex, business‑critical systems where correctness, performance, security, and regulatory compliance are essential. Your day‑to‑day work will involve collaborating with cross‑functional teams to deliver high‑quality products.

• 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.

• 1+ years of backend development experience.
• Proficiency in at least one back‑end language (Java, Python, Ruby on Rails).
• Experience designing and implementing RESTful APIs for microservices, focusing on scalability and reliability.
• Experience with Spring Frameworks such as Spring Boot, Spring Security, Spring Data, Spring MVC, Spring Cloud, Spring Batch, and Web Socket or similar frameworks.
• Strong understanding of web services and Service‑Oriented Architecture (SOA) standards, including REST, OAuth, and JSON.
• Experience working with cloud platforms (AWS, GCP, Azure).
• Experience with databases (SQL, No
  
  SQL). Strong understanding of database design and experience with ORM tools like Hibernate.
• Bachelor's degree in Computer Science or related field.
• Experience with large‑scale, high‑performance systems.
• Knowledge of the payment processing industry and relevant regulations.
• Contributions to open‑source projects.

Base pay depends on location and experience.

Scottsdale, Arizona: $100,500 – $149,600 annually.

San Jose, California: $116,500 – $173,250 annually.

Additional compensation may include an annual 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. In addition, 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 us at paypalgloba