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.

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 APIs 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 experiences across products and markets.

Job Description:

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

Expected 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, build, and operate backend services that support PayPal’s credit products. You will work on distributed systems in a highly regulated environment, contributing to solutions that prioritize correctness, reliability, performance, and security.

Job Description (Responsibilities)

• Design, build, test, and maintain backend services that power PayPal’s credit products

• Contribute to the development of RESTful APIs and microservices used across credit workflows

• Implement features that support the credit application journey, including offers and eligibility, applications, and account management

• Write high-quality, well-tested code with a focus on reliability, security, and performance

• Participate in design discussions and code reviews to improve system quality and maintainability

• Work with product, risk, compliance, and engineering partners to understand requirements and deliver solutions

• Help operate and support services in production, including monitoring, troubleshooting, and incident response

• Continuously improve system scalability, performance, and operational readiness

Minimum Qualifications

• Bachelor’s degree or higher in Computer Science, Engineering, or a related field

• 3+ years of professional experience in software engineering

• 3+ years in Java, with experience building RESTful APIs using Spring Boot or similar frameworks

• Experience developing microservices or backend systems in a production environment

• Experience with relational databases (Oracle, MySQL), NoSQL databases (DynamoDB), or analytical data warehouses (BigQuery)

• Working knowledge of data modeling and SQL fundamentals

• Experience with event-driven or asynchronous systems using messaging or streaming platforms such as Kafka or Pulsar

• Ability to write reliable, maintainable, and secure code

• Strong collaboration and communication skills

Preferred Qualifications

• Experience building distributed systems or high-availability services

• Exposure to cloud platforms such as GCP or AWS

• Experience in payments, credit, or other financial services domains

• Familiarity with observability, monitoring, and operational best practices

Subsidiary:

PayPal

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 | ($100,500.00 - $149,600.00 Annually)

Additional Location(s) | Pay Range:

Chicago, Illinois | ($106,000.00 - $157,300.00 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, 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.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion

PayPal 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 paypalglobaltalentacquisition@paypal.com.

Belonging at PayPal:

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 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.

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.