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.

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.

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.

Job Description (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

Minimum Qualifications

• 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

Preferred Qualifications

• 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