Sr Software Engineer - Backend; Java

Job Summary

As a Senior Software Engineer on the Credit Platform, you will design and build foundational backend systems that enable Pay Pal’s credit products – Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans – to grow and scale globally. The team supports credit products across the United States, Canada, United Kingdom, France, Italy, Spain, Germany, and Australia, with plans to expand into additional markets.

• Deliver complete solutions spanning all phases of the Software Development Lifecycle (SDLC) including design, implementation, testing, delivery, and operations.
• Advise management on project‑level issues and guide junior engineers.
• Operate with minimal day‑to‑day supervision, making technical decisions based on internal conventions and industry best practices.
• Apply knowledge of technical best practices in decision‑making.
• 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, with 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 usage.
• 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.

Scottsdale, Arizona: ($ - $ Annually)

Additional compensation may include an annual performance bonus, equity, or other incentive compensation, as applicable.

Pay Pal offers a comprehensive, choice‑based benefits program covering physical, emotional, and financial well‑being. Benefits include generous paid time off, healthcare coverage for you and your family, and resources to support financial security and mental health.

Hybrid work model: 3 days in the office for collaboration and 2 days at your choice of Pay Pal office or home workspace.

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 us at paypalgloba