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:

The Credit Platform team builds the core foundation behind Pay Pal’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. Our platform supports credit products across the United States, Canada, the United Kingdom, France, Italy, Spain, Germany, and Australia, with continued expansion planned.

We develop core credit capabilities through well-defined APIs that power the full credit lifecycle—from offers and eligibility to application, account management, asset sales and beyond—enabling consistent, scalable experiences across products and markets.

In this role, you will lead a team of engineers building foundational backend systems that are critical to Pay Pal’s credit products.

Job Description: Essential Responsibilities:

• Directly manages software development projects (including program management) and execution through individual contributors. May also lead project teams across platforms or groups
• Implements processes to drive strong operational hygiene for all components and systems within their group
• Responsible for the delivery of projects, including quality and timeliness, that impact their domain and potentially one other
• Demonstrates strong tactical ability by managing the roadmap for a scrum team responsible for technical issues of diverse scope where analysis requires an understanding of current business or tends
• Competent at communicating technical issues with non-technical audiences
• Analyzes multiple sources of information and identifies & resolves complex technical, operational, and organizational problems relating to software development.
• Collaborates with direct team, managers in org, stakeholders such as Product Owners & PMO

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Role Scope & Impact

• Lead and grow a high-performing engineering team delivering scalable, low-latency, and highly reliable credit systems

• Own a defined platform area with significant business impact on several Credit initiatives

• Drive execution and technical direction for complex, cross-team initiatives

What You’ll Do

• Drive predictable delivery by managing priorities, risks, and cross-team dependencies

• Partner with Product, Risk, and several Pay Pal teams to build robust solutions

• Guide architecture and ensure systems meet high standards for reliability, observability, and data integrity

• Establish and track SLOs, KPIs, and operational metrics to continuously improve system performance

• Champion engineering excellence across code quality, testing, and incident management

• Balance short-term delivery with long-term platform scalability and maintainability

Leadership & Growth

• Hire, develop, and retain top engineering talent

• Foster a culture of ownership, accountability, and psychological safety

• Mentor senior engineers and help grow future technical and people leaders

• Drive clarity in goals, roles, and expectations aligned with broader organizational priorities

What Makes You a Strong Fit

• Thrive in ambiguous, high-stakes environments and make sound trade-offs across business, technical, and risk considerations

• Bring a data-driven mindset with a focus on measurable outcomes and continuous improvement

• Communicate effectively and can translate complex technical concepts for diverse audiences

• Influence outcomes beyond your immediate team in a matrixed organization

• Contribute to multi-quarter roadmap planning and technical strategy Subsidiary:

Pay Pal

Travel Percent:

0

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 | ($152,500.00 - $226,600.00 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. 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.