51 - 100 employees
11 - 25 engineers
$50m - $100m funding
Series a

About PayJoy: PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology creates collateral that enables customers to afford their first financed smartphone. Thanks to this, our customers can further access credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.

Founded in 2015, today PayJoy has reached hundreds of thousands of customers in a dozen countries around the globe, from Mexico to Indonesia, India, Kenya, and Nigeria, and is on a strong growth path with support from major industry partners to bring credit to millions in 2019.

Active Roles

Why join us?

  • We are working together to enable people around the world to improve their lives and the lives of their families.

  • Our team has experience from Stanford, Harvard, MIT, Wharton, Google, Amazon, Uber, Facebook, McKinsey, Bain, Kiva, Nike, and Citibank, and we are funded by top FinTech investors.

  • We have expanded into more than a dozen countries around the world (and counting!) and are reaching hundreds of thousands of consumers already, with strong growth projected for 2019.

Engineering at PayJoy

Engineering team and processes

We have four engineering teams, spread between our three main offices (San Francisco, Mexico City, and Bangalore). Each team works with the product team to establish quarterly and yearly goals. Release cycles happen as features are completed and tested. Code reviews for code added to the code base are sent to other engineers with area-specific knowledge.

Technical Challenges

In order to help the under-banked, we work together to improve and scale our alternative credit scoring platform, our proprietary Android mobile device management system, and our RESTful API. Data security, scale, and latency are key technical drivers for best-in-class performance to our partners, who often have over 100M users.

Projects you might work on
  • You will work on developing cutting edge technology for locking Android devices across multiple OEMs while anticipating potential security breaches and vulnerabilities.

  • You will have the opportunity to develop entirely new products to enable financial inclusion in emerging markets. You will be involved from concept to execution, collaborating with colleagues and sharing ownership of the final product.

Tech stack

Working at PayJoy

We value people who take chances and try new things. Sometimes we'll fail, and that's ok, as long as we're working together to move closer to our company mission.

Perks & benefits
  • Generous Vacation

    3 weeks vacation to start, goes to 4 weeks at 3 years at the company.

  • Free Food

    Lunch every Friday, plus ample snacks on a daily basis.

  • Gym/Fitness

    As part of our commitment to the physical and mental well-being of PayJoy employees, the company will reimburse up to $500 yearly for fitness expenses and equipment.

  • Travel

    Employees who have been with the company at least 1 year are eligible for the travel benefit. PayJoy will cover up to $2000 for flight and accommodation for an employee to work from a different office for 1 week.

  • Pet Friendly

    We love well-behaved pets in the office!

  • Company Retreats

    We have a yearly all-hands so that we can meet each other in person and spend time planning for the goals of the company as a whole.

  • Maternal/Paternal Leave

    All new parents are encouraged to take up 4 weeks paid time off for bonding and up to an additional 4 weeks unpaid time. Childbearing mothers can take an additional 8 weeks of paid time off.

  • Flexible Hours

    We try to maintain core hours of 10-4 for everyone in the SF office, but encourage people to be flexible, especially when they're collaborating with international colleagues.

  • Health Insurance

    We provide full medical, dental, vision insurance for the employee and family.

  • 401(k) Contribution

    We contribute 3% to a 401(k) for every full-time employee.

  • Transportation

    We will provide up to $265/month for those who have commutes on public transit.

  • Workshops/Conferences

    We encourage employees to continue their professional development and training. To that end, employees may expense up to $2000 yearly for training related to their primary job function, subject to manager approval. This benefit is available to all individuals directly employed by the company.

Our Team by the Numbers

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