The Company
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal 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. PayPal 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 PayPal or Venmo account balance, PayPal 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 PayPal, 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 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.Job Description:
Essential Responsibilities:
Minimum Qualifications:
Additional Responsibilities & Preferred Qualifications:
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
Subsidiary:
PayPalTravel Percent:
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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:
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, PayPal'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 PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.
Our Benefits:
At PayPal, 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.