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 Pay Pal’s credit products including Revolving Credit, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide.

We own and develop core credit business capabilities through well-defined RESTful APIs that support the end-to-end credit application journey. These capabilities enable consistent and scalable credit experiences across products and markets.

A key part of our work includes enabling the transfer of credit assets to external partners in a secure, compliant, and auditable manner. The systems we build support business-critical workflows and require a strong focus on data accuracy, transparency, and regulatory compliance.

Our platform supports credit products across the United States, Canada, the United Kingdom, France, Italy, Spain, Australia, and Germany, with plans to expand into additional markets.

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

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

About the Role:

As a Senior Software Engineer on the Credit Platform, you will design and operate Java-based backend services alongside Big Query-powered data workflows that support credit and asset externalization processes.

You will work on systems where real-time services, large-scale data processing, and financial reporting intersect. This role requires strong technical ownership, sound judgment, and comfort operating in environments where system correctness and data integrity are essential.

This is a hands-on role with broad technical scope and meaningful cross-team collaboration.

What You’ll Do

• Own Big Query-backed datasets and pipelines used for reporting, reconciliation, and external data delivery

• Design data models and access patterns that support accurate, auditable representation of credit assets

• Optimize Big Query performance, cost, and reliability using partitioning, clustering, and query tuning

• Build and operate real-time and near-real-time pipelines using Pub/Sub, batch or streaming frameworks, and Java services

• Leverage Dataproc for large-scale data processing and synchronization across Big Query tables

• Build Java-based backend services and RESTful APIs supporting credit and asset externalization workflows

• Ensure strong observability, data quality controls, and operational readiness across services and data workflows

• Partner with product, finance, risk, compliance, and engineering teams to deliver secure and compliant solutions

• Influence platform architecture and best practices through design reviews and technical leadership

What You Bring:

Required

• 6 years of professional experience as a software engineer building production systems

• 4 years of hands-on experience on Google Cloud Platform, particularly Big Query,Dataproc,Pub/Sub,Cloud Run, and Cloud Functions

• Deep expertise in Big Query internals, including

• Query execution plans and performance tuning

• Table partitioning and clustering strategies

• Partition sizing and cost versus performance tradeoffs

• Bulk updates, real-time updates and deletes, and materialized views

• Experience designing and operating real-time and near-real-time data pipelines

• Proficiency in Java, including designing and building RESTful APIs using Spring Boot or similar frameworks

• Strong experience with logging, monitoring, and observability, including dashboards, alerting, and production troubleshooting

• Proficiency with IAM, service accounts, and data access controls, including data localization and compliance requirements

• Ability to design scalable, reliable systems with a strong focus on correctness, performance, and operational excellence

• Strong communication skills and the ability to collaborate across engineering and cross-functional teams

Nice to Have

• Experience building systems that support financial reporting, reconciliation, or external data sharing

• Familiarity with regulated environments and auditability requirements

• Experience with modern data architectures such as Data Lakes, Data Mesh, or Data Fabric

• Background in payments, credit, or financial services

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 | ($123,500.00 - $183,700.00 Annually)

Additional Location(s) | Pay Range:

Chicago, Illinois | ($130,500.00 - $193,600.00 Annually)

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. 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 paypalglobaltalentacquisitionpaypal.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.