# Senior Software Engineer at PayJoy

- Company: PayJoy
- What the company does: Looking for a phone or a cash loan? PayJoy gives you credit with few requirements and in minutes. No late fees charged. Backed by Greylock and USV.
- Company website: https://www.payjoy.com/
- Type: Startups
- Level: Senior
- Location: San Francisco, CA
- Work setup: Hybrid
- Pay: $268K to $275K base salary per year (USD)
- Posted: 2026-10-13
- Apply by: 2026-11-27
- Apply: https://jobs.lever.co/payjoy/0b76b537-dbe7-40ae-9204-1d4f4d9f724c?utm_source=1752vc&utm_medium=careers
- Page: https://www.1752.vc/careers/jobs/payjoy-senior-software-engineer/

## About the role

PayJoy provides credit access to millions of customers across 11 countries. As we expand from smartphone financing to broader credit products, customer communication is vital to our product experience. The Senior Software Engineer, Communications Platform, will help design and build a consolidated, reliable, and observable messaging platform for SMS, email, and WhatsApp, collaborating closely with Identity, Fraud, CDP, and Onboarding teams. Found on 1752vc Careers, the job board for startup and VC roles.

## What they're looking for

- Bachelor’s degree in Computer Science, Software Engineering, or equivalent practical experience
- 5+ years of software engineering experience focusing on backend infrastructure and distributed systems
- Hands-on experience with messaging channels (SMS, Email, Push, WhatsApp) and platforms like Twilio, Infobip, or SendGrid
- Experience designing multi-tenant APIs and internal platform services with clear SLAs and versioning controls
- Familiarity with event-driven architecture and streaming technologies such as Kafka, AWS SQS/SNS, or RabbitMQ
- Strong data modeling skills, including unifying user identity records across disparate systems

Tags: Core Engineering

Source: 1752vc Careers, https://www.1752.vc/careers/jobs/payjoy-senior-software-engineer/