Sr Software Engineer - Backend (Java)
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, operating a global, two-sided network connecting hundreds of millions of merchants and consumers. The company provides proprietary payment solutions, enabling customers to use their accounts for purchases, payments, transfers, and withdrawals, and offering various funding sources including bank accounts, PayPal/Venmo balances, credit products, and cryptocurrencies. PayPal, Venmo, and Xoom products facilitate safer fund transfers between friends and family. For merchants, PayPal offers an end-to-end payments solution with authorization, settlement, instant fund access, and risk management, also supporting cross-border trade. The company's core values are Inclusion, Innovation, Collaboration, and Wellness, guiding their business practices. The Credit Platform team builds the core foundation for PayPal’s global credit ecosystem, powering products like Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide. This team supports credit products across multiple countries including the United States, Canada, the United Kingdom, France, Italy, Spain, Germany, and Australia, with further expansion planned for 2026. They own and develop core credit business capabilities through RESTful APIs, supporting the entire credit application journey from offers and eligibility to application, account management, and asset externalization, ensuring consistent and scalable credit experiences across products and markets. As a Senior Software Engineer on the Credit Platform, you will be responsible for designing and building foundational backend systems that enable PayPal’s credit products to grow and scale globally. This role involves working on complex, business-critical systems where correctness, performance, security, and regulatory compliance are paramount, and where thoughtful engineering significantly impacts the business.
Requirements
- 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
- Bachelor’s degree or higher in Computer Science, Engineering, or a related field
- 5+ years of professional experience in software engineering
- 5+ years in Java, with experience building RESTful APIs using Spring Boot or similar frameworks
- Proven experience designing microservice architectures and operating high-concurrency production systems
- Experience with relational databases (Oracle, MySQL), NoSQL databases (DynamoDB), and analytical data warehouses (BigQuery)
- Strong understanding of data modeling, SQL optimization, and database fundamentals beyond basic CRUD usage
- Hands-on experience building event-driven systems, including messaging or streaming platforms such as Kafka or Pulsar
- Experience with asynchronous programming patterns for decoupled, resilient services
- Demonstrated ability to write reliable, scalable, maintainable, secure, and performant code
- Strong communication skills with the ability to influence technical decisions and mentor other engineers
Nice To Haves
- Experience building and operating services on cloud platforms such as GCP, or AWS
- Background in payments, credit, or financial services
- Strong foundation in large-scale distributed system architecture, including fault tolerance, observability, and cost optimization
Responsibilities
- Delivers complete solutions spanning all phases of the Software Development Lifecycle (SDLC) (design, implementation, testing, delivery and operations), based on definitions from more senior roles.
- Advises immediate management on project-level issues
- Guides junior engineers
- Operates with little day-to-day supervision, making technical decisions based on knowledge of internal conventions and industry best practices
- Applies knowledge of technical best practices in making decisions
- Design, build, and evolve large-scale backend services that power PayPal’s credit products
- Partner with product, risk, compliance, and engineering teams to translate complex business and regulatory requirements into robust technical solutions
- Build reusable, configuration-driven systems that support rapid product launches and market expansion
- Develop event-driven, asynchronous services using messaging and streaming technologies such as Kafka and Pulsar
- Improve system scalability, performance, reliability, and observability as platform usage grows globally
- Contribute to technical direction through design reviews, mentorship, and shared engineering standards
Benefits
- comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most.
- flexible, balanced work culture
- holistic approach to benefits
- generous paid time off
- healthcare coverage for you and your family
- resources to create financial security
- support your mental health
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Number of Employees
5,001-10,000 employees
