Software Engineer

Job Summary

As a Software Engineer on the Credit Platform, you will design, build, and operate backend services that support PayPal's credit products. You will work on distributed systems in a highly regulated environment, contributing to solutions that prioritize correctness, reliability, performance, and security.

Essential Responsibilities

• 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 an 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

Minimum Qualifications

• 1+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience.

Job Description (Responsibilities)

• Design, build, test, and maintain backend services that power PayPal's credit products
• Contribute to the development of RESTful APIs and microservices used across credit workflows
• Implement features that support the credit application journey, including offers and eligibility, applications, and account management
• Write high-quality, well-tested code with a focus on reliability, security, and performance
• Participate in design discussions and code reviews to improve system quality and maintainability
• Work with product, risk, compliance, and engineering partners to understand requirements and deliver solutions
• Help operate and support services in production, including monitoring, troubleshooting, and incident response
• Continuously improve system scalability, performance, and operational readiness

Minimum Qualifications

• Bachelor's degree or higher in Computer Science, Engineering, or a related field
• 3+ years of professional experience in software engineering
• 3+ years in Java, with experience building RESTful APIs using Spring Boot or similar frameworks
• Experience developing microservices or backend systems in a production environment
• Experience with relational databases (Oracle, MySQL), NoSQL databases (DynamoDB), and analytical data warehouses (BigQuery)
• Working knowledge of data modeling and SQL fundamentals
• Experience with event-driven or asynchronous systems using messaging or streaming platforms such as Kafka or Pulsar
• Ability to write reliable, maintainable, and secure code
• Strong collaboration and communication skills

Preferred Qualifications

• Experience building distributed systems or high-availability services
• Exposure to cloud platforms such as GCP or AWS
• Experience in payments, credit, or other financial services domains
• Familiarity with observability, monitoring, and operational best practices

Subsidiary: PayPal

Travel Percent: 0

Visa Sponsorship through PayPal is not available for this position now or any time in the future.

• The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:

Primary Location | Pay Range

Scottsdale, Arizona: ($100,500.00 - $149,600.00 Annually)

Additional Location(s) | Pay Range

No other locations are assigned to this requisition currently. Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits

At PayPal, we're committed to building an equitable and inclusive global economy. And we can't do this without our most important asset-you. That's why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing-physical, emotional, and financial-delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

Commitment to Diversity and Inclusion

Belonging at PayPal

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.