Software Engineer - Backend (Java)

PayPal • Chicago, IL

21h • $100,500 - $157,300 • Hybrid

About The Position

The Company 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. Job Summary: The Credit Platform team builds the core foundation behind PayPal’s global credit ecosystem, powering PayPal’s credit products like Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide. Our team supports credit products across the United States, Canada, the United Kingdom, France, Italy, Spain, Germany, and Australia, with plans to expand into additional markets in 2026. We own and develop core credit business capabilities through well-defined RESTful APIs that support the end-to-end credit application journey, from offers and eligibility through application, account management, and asset externalization. Our platform enables consistent and scalable credit experiences across products and markets. Job Description: 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 Expected Qualifications: 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications: 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.

Requirements

• 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), or 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

Nice To Haves

• 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

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

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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level