The Company

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal 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. Pay Pal 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 Pay Pal or Venmo account balance, Pay Pal 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 Pay Pal, 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:

As Pay Pal continues its mission to revolutionize commerce, we’re looking for a talented Sr Software Engineer to join our Buy Now Pay Later (BNPL) Risk Platform team within the Credit Risk Organization. In this role, you’ll design, build, and maintain the core services that power risk solutions for our Global Pay Later business. If you’re passionate about solving complex, large-scale problems and making a direct impact on millions of users worldwide, read on — the best is yet to come!

Job Description:

Essential 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

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Meet the Team

The BNPL Risk Platform team sits at the core of Pay Pal’s Credit Risk Organization, powering the risk capabilities behind our Global Pay Later products. Our mission is to enable secure, seamless, and intelligent transactions by building highly scalable platforms that assess and manage risk in real time.

We design and operate large-scale underwriting and fraud detection systems that process millions of transactions globally, combining advanced decisioning, data-driven insights, and resilient engineering to deliver safe and frictionless customer experiences.

By joining our team, you’ll collaborate closely with engineers, product managers, data scientists, and stakeholders across Pay Pal to solve complex, mission-critical challenges. Together, we drive innovation in a fast-paced environment where engineering excellence and customer impact go hand in hand.

Your Day-to-Day

As a Senior Software Engineer, you will contribute to the design and delivery of key risk platform capabilities that power our BNPL products. Here, your day-to-day will primarily involve:

• Designing, developing, and maintaining Java-based services for large-scale underwriting and fraud detection systems, with a focus on scalability and reliability.

• Contributing across the full software development lifecycle, from technical design and implementation to testing and deployment.

• Collaborating with engineers, product managers, and other stakeholders to understand requirements and deliver high-quality solutions.

• Supporting and mentoring team members, while continuously improving code quality and engineering practices.

• Working in a fast-paced environment with evolving priorities, keeping performance, security, and customer impact top of mind.

What you need to succeed

• Strong Java development experience (Java/J2EE, Spring, Hibernate).

• 5–8 years of experience in software design and backend/web application development.

• Experience building REST APIs and web services, with solid knowledge of unit testing and build tools.

• Hands-on experience with relational databases such as MySQL or Oracle.

• Familiarity with cloud-native technologies such as Kubernetes, Docker, Kafka, or Spark.

• Solid understanding of object-oriented design principles.

• Experience designing scalable, high-availability systems with performance in mind.

• Knowledge of secure coding practices; experience in risk or fraud systems is a plus.

• Experience with automated testing and CI/CD pipelines.

What sets you apart

• Strong problem-solving skills and ability to work with evolving or ambiguous requirements.

• Collaborative mindset with the ability to build strong working relationships.

• Comfortable working in a fast-paced, dynamic environment.

• Clear communication skills, able to explain technical concepts to diverse audiences.

• Passion for continuous learning and improving engineering practices.

Get bonus points with...

• Degree in Computer Science or a related field (Master’s preferred).

• Experience with GCP cloud architecture.

• Experience coaching engineers or supporting small project initiatives.

• Participation in hackathons, tech communities, or other technical forums is a plus.

We Believe in You

Interested building reliable risk systems that protect millions of users while enabling global commerce? If so, don’t hesitate to apply or reach out and let's talk — we’d love to get to know you!

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Subsidiary:

Pay Pal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us.

For the majority of employees, Pay Pal'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 Pay Pal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At Pay Pal, 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.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion

Pay Pal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, Pay Pal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at paypalglobaltalentacquisition@paypal.com.

Belonging at Pay Pal:

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 Pay Pal 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 Pay Pal.

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.