Software Engineer

The Company\n\nPayPal 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. \n\nWe 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.\n\nWe 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. \n\nOur 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 \u2013 and they push us to ensure we take care of ourselves, each other, and our communities.\n\nJob Summary:\n\nThe Credit Platform team builds the core foundation behind PayPal\u0027s global credit ecosystem, powering PayPal\u0027s credit products like Credit Cards, Buy Now Pay Later, Working Capital, and Merchant Term Loans for millions of customers and businesses worldwide. \nOur 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. \nWe 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.\n\nJob Description:\n\nEssential Responsibilities: \n\n * Implements tasks within the Software Development Lifecycle (SDLC), receiving structure and oversight from more experienced staff\n * Follows well-established internal conventions and standard procedures\n * Understands internal standards \u0026 processes an applies them to make technical decisions\n * Collaborates with peers, manager, and project lead to gain understanding of tasks and review solutions\n * May contribute to code \u0026 design reviews\n\n\n\nMinimum Qualifications:\n\n * 1+ years relevant experience and a Bachelor\u2019s degree OR Any equivalent combination of education and experience.\n\n\n\nAdditional Responsibilities \u0026 Preferred Qualifications:\n\nAs a Software Engineer on the Credit Platform, you will design and build foundational backend systems that enable PayPal\u0027s 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\u0027ll collaborate with cross-functional teams to deliver high-quality products. \n\nWhat do you need to bring\n\n * 1+ years of backend development experience. \n\n * Proficiency in at least one back-end language (Java, Python, Ruby on Rails) \n\n * Experience designing and implementing RESTful APIs for microservices, focusing on scalability and reliability.\n\n * 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. \n\n * Strong understanding of web services and Service-Oriented Architecture (SOA) standards, including REST, OAuth, and JSON.\n\n * Experience working with cloud platforms (AWS, GCP, Azure) \n\n * Experience with databases (SQL, NoSQL) \n\n * Strong understanding of database design, including SQL and NoSQL databases, and experience with ORM tools like Hibernate. \n\n\n\n\nPreferred Qualifications\n\n * Bachelor\u0027s degree in Computer Science or related field. \n\n\n\n * Experience with large-scale, high-performance systems. \n\n * Knowledge of the payment processing industry and relevant regulations. \n\n * Experience with cloud platforms (AWS, GCP, Azure). \n\n * Contributions to open-source projects. \n\n\n\n\nSubsidiary:\n\nPayPal\n\nTravel Percent:\n\n0\n\n-\n\nThe 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:\n\nPrimary Location | Pay Range:\n\nScottsdale, Arizona | ($100,500.00 - $149,600.00 Annually)\n\nAdditional Location(s) | Pay Range:\n\nSan Jose, California | ($116,500.00 - $173,250.00 Annually) \n\n\nAdditional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.\n\nPayPal 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 \n\nFor the majority of employees, PayPal\u0027s 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.\n\nOur Benefits:\n\nAt PayPal, we\u2019re committed to building an equitable and inclusive global economy. And we can\u2019t do this without our most important asset-you. That\u2019s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing\u2014physical, emotional, and financial\u2014delivering 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.\n\nWho We Are:\n\nClick Here to learn more about our culture and community.\n\nCommitment to Diversity and Inclusion \n\nPayPal 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, PayPal 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 [email protected].\n\nBelonging at PayPal:\n\nOur 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 PayPal 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 PayPal.\n\nAny general requests for consideration of your skills, please Join our Talent Community. \n\nWe know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don\u2019t hesitate to apply.\n