Description
The Credit Platform team at PayPal builds the core foundation behind PayPal's global credit ecosystem, powering credit products like Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide.
As a Software Engineer on this team, you will design, build, and evolve large-scale backend services that power PayPal's credit products. You will partner with product, risk, compliance, and engineering teams to translate complex business and regulatory requirements into robust technical solutions.
Key responsibilities include:
- Building reusable, configuration-driven systems that support rapid product launches and market expansion
- Developing event-driven, asynchronous services using messaging and streaming technologies such as Kafka and Pulsar
- Improving system scalability, performance, reliability, and observability as platform usage grows globally
- Contributing to technical direction through design reviews, mentorship, and shared engineering standards
Requirements:
- 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
- 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
Nice to have:
- 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