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 Description Summary:

As a key member of the Credit Risk engineering and platform team, you architect, design, test, deploy and maintain software solutions.

Job Description:

PayPal Software Engineers are strong technologists who are passionate to solve large scale highly complex computer engineering problems. In PayPal, we develop massively scalable, distributed software systems that require high availability to our business. You build strong competencies in data structures and algorithms, along with a technical fascination for how everything ties together. You need to have a solid foundational knowledge of computer engineering and intellectual curiosity to understand the business.

Credit Risk Engineering team is responsible for Credit Risk decision, fraud detection, risk management decision and compute services across PayPal - globally. We design, develop, enhance and support services that get called across every interaction between PayPal and it's users and partners. Our solutions need to scale across millions of such interactions, working with petabyte plus data, integrating with various other APIs in real time and yet providing high availability and configurability to the business. To achieve this we are always looking at advances in technology and science and tying those back to business needs.

To help with this, we are always looking for strong technologists who are passionate to solve large scale highly complex computer engineering problems, in a repeatable and maintainable way. Our engineers build strong competencies in data structures and algorithms, along with a deep understanding of business processes.

Your primary responsibilities include: 

Design, develop and test high throughput Credit Risk platform systems Develop efficient, elegant, clean code with no unnecessary complication or abstraction Lead code review sessions Passionate about low latency systems Ability to deal with high volume data Continuously look for opportunities for performance tuning Collaborate with other engineers, architects, Product managers and stakeholders

Background we are looking for:  

You love solving problems and building solutions. You’re self-motivated and have a demonstrated track record of self-learning and 
going above and beyond You’re excited to create high traffic backend distributed services for customers You want to hit the ground running on Day 1; you take ownership of your 
work and can work independently. You’ve designed and clearly understand concepts like Web 
Services, SOA, REST APIs, SPRING Framework. You know the fundamentals of Object-Oriented Programming using Java,
familiarity with additional development tools such as JUnit, Maven & Jenkins is a 
plus.  You love Git and are at home with source control concepts such as merge, rebase 
and pull. You’ve used SQL & NoSQL solutions and understand the pros and cons of relational 
and free form databases. Good hands on experience in Oracle database. You’ve comfortable using application server frameworks, for example Tomcat 
or JBOSS. You believe in Agile development and putting the customer first in anything you 
design; experience with SCRUM is a plus. You’re a strong advocate of good coding standards and like the use of coding tools 
that will push you to improve the code you deliver like Sonar. You know how to identify performance bottlenecks and use good coding 
patterns to avoid them in the first place. 

Requirements 

 
Expert in Java: language features, Object Oriented and modular programming (Design Patterns are a plus), profiling/tuning, garbage collection; proven track record of challenging systems-level Java development. 

Responsibilities: 

8+ years of experience in software development. Experience in object-oriented programming and concepts Experienced in Distributed System development using Java.Gen AI and ML knowledge is Must. Proven track record in delivering highly available, scalable systems on time Conversant in design patterns Good understanding of web services and related standards like REST/JSON Experience in caching software Experience in Spring framework and other open source frameworks Experience developing data-driven applications using an industry standard Storage solutions  Experience in both development and quality assurance activities Experience in QA methodologies, test automation and automation frameworks Experience in driving Integration testing, UAT with external vendors Experience working in Credit or financial services industry is a plus Exposure to Agile Methodologies 

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

-

PayPal is committed to fair and equitable compensation practices.

Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.

The U.S. national annual pay range for this role is

$84500 to $204600

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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com.

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 talentaccommodations@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.