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 APls 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 expenences 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
Minimum 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 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. In your day-to-day, you'll collaborate with cross-functional teams to deliver high-quality products.
What Do You Need To Bring
- 1+ years of backend development experience.
- Proficiency in at least one back-end language (Java, Python, Ruby on Rails)
- Experience designing and implementing RESTful APIs for microservices, focusing on scalability and reliability.
- Developing enterprise system using Spring Frameworks such as Spring Boot, Spring Security, Spring Data, Spring MVC, Spring Cloud, Spring Batch, and WebSocket or similar frameworks.
- Strong understanding of web services and Service-Oriented Architecture (SOA) standards, including REST, OAuth, and JSON.
- Experience working with cloud platforms (AWS, GCP, Azure)
- Experience with databases (SQL, NoSQL)
- Strong understanding of database design, including SQL and NoSQL databases, and experience with ORM tools like Hibernate.
Preferred Qualifications
- Bachelor's degree in Computer Science or related field.
- Experience with large-scale, high-performance systems.
- Knowledge of the payment processing industry and relevant regulations.
- Experience with cloud platforms (AWS, GCP, Azure).
- Contributions to open-source projects.
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