Senior Software Engineer

PayPal•San Jose, CA

9d•$169,576 - $243,500•Hybrid

About The Position

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers. We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade. Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Requirements

Master’s degree, or foreign equivalent, in Computer Science, Engineering, or a closely related field plus three years of experience in the job offered or a related occupation. Employer will accept a Bachelor’s degree, or foreign equivalent, in Computer Science, Engineering or a closely related field plus five years of experience in the job offered or a related occupation.
Experience designing and developing backend software applications using Java, including object-oriented design, multithreading, and performance optimization (3 years).
Experience working with relational database management systems such as Oracle, including schema design, complex SQL queries, and transaction management (2 years).
Experience architecting and solutioning high-level and low-level designs for end-to-end payment product development, specifically bank settlement products including Direct Deposit, clearing, and returns processing (3 years).
Experience working with payment platforms, specifically payment settlement platforms supporting funds movement, reconciliation, and settlement lifecycle management (2 years).
Experience developing or supporting Direct Deposit products such as Top Up or wallet funding solutions (2 years).
Experience building settlement platforms and frameworks involving distributed file processing for returns, rejects, and acknowledgment files from banking entities or clearing houses (3 years).
Experience building and tuning distributed Java-based applications for scale and performance, specifically for bank settlement processing and mapping settlements to cash and accounting ledgers (3 years).
Experience building Java-based payment processing solutions to automate settlements against payables and receivables accounting ledgers (2 years).
Experience debugging and triaging complex production issues and developing automated prevention, detection, and correction tools using Java or related technologies (3 years).
Experience documenting high-level and low-level system designs using UML diagrams (2 years).

Responsibilities

Design, develop and deploy scalable, fault-tolerant banking platforms, and create architecture supporting millions of daily transactions.
Build and implement idempotent systems with exactly-once processing guarantees.
Debug complex production issues under time pressure, write comprehensive documentation and runbooks, and conduct post-mortems and implement preventive measures.
Apply currency conversion logic for international payments, develop settlement systems for merchant payouts, and optimize transaction routing based on cost and speed.
Implement automated testing frameworks, perform code reviews with focus on security and reliability, and ensure high code coverage and quality standards.
Maintain PayPal's ACH processing engine for bank transfers and build features for instant transfers and wallet funding.
Develop APIs consumed by PayPal mobile/web applications to support Venmo and other PayPal-family products.
Connect to bank partners' APIs (Chase, Wells Fargo, etc.), integrate with payment networks (Visa, Mastercard, Nacha), and build webhooks for real time payment notifications.
Work with Product Managers, Compliance and Risk teams, Compliance and Risk teams, Infrastructure teams, and external banking partners to translate requirements into technical solutions, maintain regulatory requirements, promote platform scaling, and interface with vendors.