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:

• 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

Expected Qualifications:

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

As a Senior Software Engineer on the Credit Platform, you will design and build foundational backend systems that enable PayPal’s credit products to grow and scale globally. You will work on complex, business-critical systems where correctness, performance, security, and regulatory compliance are essential, and where thoughtful engineering has meaningful impact.

Job Description (Responsibilities)

• 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

Minimum Qualifications

• 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

Preferred Qualifications

• 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