Senior Software Engineer Risk

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:As PayPal continues its mission to revolutionize commerce, we are seeking a Senior Software Engineer to join our Credit Risk Organization on the Buy Now Pay Later Risk Platform team. In this role, you’ll collaborate with engineers and product stakeholders to turn requirements into scalable solutions, drive execution with autonomy, and deliver reliable, high-quality outcomes. You will design, build, ship, and maintain the services that power risk solutions for PayPal’s Global Pay Later business. If this sparks your interest, keep reading — the best is yet to come!

Job Description:

Essential Responsibilities:

Delivers complete solutions spanning all phases of the Software Development Lifecycle (SDLC) (design, implementation, testing, delivery and operations), based on definitions from more senior roles.

Advises immediate management on project-level issues

Guides junior engineers

Operates with little day-to-day supervision, making technical decisions based on knowledge of internal conventions and industry best practices

Applies knowledge of technical best practices in making decisions

Minimum Qualifications:

Minimum of 5 years of relevant work experience and a Bachelor's degree or equivalent experience.

Preferred Qualification:

Your way to impact

As a Senior Software Engineer, you’ll play a pivotal role in safeguarding PayPal’s platform and enabling secure, seamless transactions for millions of customers worldwide. You’ll work with modern technologies to solve complex, mission-critical challenges in a fast-paced environment where innovation is encouraged and your contributions are highly visible.

Your work will be instrumental in protecting PayPal’s core business by delivering secure, efficient checkout experiences and advancing the strategic vision of a unified platform. By developing innovative solutions that detect and prevent fraud, you’ll help protect users, empower businesses, and strengthen PayPal’s global impact.

Your Day-to-Day

Design, develop, and implement robust Java applications for a large-scale Underwriting and Fraud Detection platform, ensuring scalability, multi-tenancy, and seamless integration with various internal PayPal services.

Advocate for engineering excellence and contribute to a customer-centric approach.

Own the quality of deliverables throughout the software development lifecycle, including design, implementation, testing, and deployment.

Collaborate with cross-functional teams, including engineers, product managers, and stakeholders, to define and execute solutions.

Thrive in a fast-paced environment with evolving business needs and priorities.

What you need to succeed

Strong programming skills: Expertise in Java/J2EE, Spring Framework, and Hibernate.

Experience: 5-8 years of software design and web application development experience.

API Development: Proficiency in building REST APIs, Web Services, and using unit testing frameworks and build tools.

Database Knowledge: Hands-on experience with relational databases like MySQL or Oracle.

Cloud Technologies: Familiarity with Kubernetes, Docker, Kafka, Spark, or other cloud-native technologies.

Object-Oriented Design: Rich experience in object-oriented design and analysis.

Problem-Solving: Ability to resolve ambiguity in requirements and estimate engineering effort for realistic schedules.

Scalability: Experience designing systems for high availability, scalability, and performance optimization.

Security: Knowledge of secure coding practices and experience with risk or fraud detection systems is a plus.

Testing: Experience with automated testing frameworks and CI/CD pipelines.

You are known as:

Quick learner, undeterred by complex systems and challenges.

Excellent collaborator, capable of building trust and fostering strong relationships with stakeholders.

Adaptable and thrives in a dynamic, fast-changing environment.

Strong communicator, with the ability to articulate technical concepts to non-technical stakeholders.

Passionate about innovation, continuous learning, and staying updated with emerging technologies.

Get bonus points with:

Degree in Computer Science or related fields.

Experience in GCP cloud Architecture

Experience mentoring junior engineers or leading small teams.

Exposure to hackathons, tech events, blogging, or active participation in online tech forums.

We Believe in You

Interested in knowing more? Don't hesitate to apply and let's talk – we'd love to get to know you!

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Subsidiary:PayPal

Travel Percent:0

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

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

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 .

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.

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