Full-Time
Senior Software Engineer
Android Systems & Security
PayJoy
1,001-5,000 employees
Provides credit access via device-collateral loans
Compensation Overview
$272k - $283k/yr
San Francisco, CA, USA
Hybrid
 Software Engineering (1) |
|---|
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- Android Internals Expertise: Extensive, hands-on experience with AOSP development, including modifying system services and utilizing the Android build system (Soong/Make).
- Low-Level Language Mastery: Expert-level proficiency in Java and C/C++ (JNI). (Ability to read/write Kotlin is expected, but core work remains at the system level).
- OEM/Firmware Background: Proven experience working with or for an OEM or chipset vendor on firmware customization, device bring-up, or security hardening.
- Strong Core Skills: Demonstrable knowledge of AOSP and TEE / ARM TrustZone.
- Note: If your background is primarily focused on building consumer-facing commercial apps (e.g., banking, gaming, or general retail apps), this role will not be a match for your skillset.
- Framework Engineering: Develop and maintain custom modifications within the Android Framework (AOSP) and Hardware Abstraction Layers (HAL).
- OEM Integration: Partner with global smartphone manufacturers and chipset vendors to integrate PayJoy’s proprietary technology into factory firmware.
- Cross-Border Collaboration: Work daily with our China-based engineering team to align on technical specifications and manufacturing requirements.
- Feature Development: Implement new locking features that interact with system-level services for example Telephony, Power Management, and Device Policy Manager, etc…
- R&D & Debugging: Use deep chip-level knowledge to troubleshoot integration issues across different silicon providers (Qualcomm, MediaTek, etc.).
- Process Automation: Contribute to OTA (Over-the-Air) updates and global device testing.
- Experience with Secure Boot, verified boot (AVB), and common Android exploit vectors.
- Automation of firmware build pipelines and signing processes using Python or Bash.
- Comfort collaborating effectively with international teams across different time zones.
PayJoy provides credit access to underserved consumers in emerging markets by partnering with local banks and retailers. Its service uses mobile locking technology and data science to allow customers to buy smartphones and other devices on credit, with the device serving as collateral and locked until payments are made. The company differentiates itself through the device-collateral model and its network of financial institutions and retailers that extend credit to people without traditional bank accounts. Its goal is to expand affordable device access and support economic growth in emerging economies by connecting lenders with underserved consumers.
Company Size
1,001-5,000
Company Stage
Debt Financing
Total Funding
$606.9M
Headquarters
San Francisco, California
Founded
2015
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Simplify's Take
What believers are saying
- Appointed Iván Canales, ex-Nubank Mexico leader, as CRO for revenue scaling.
- Secured $140M Neuberger Berman debt for expansion into Indonesia and Asia.
- On track for $650M revenue and $110M profit by end of 2025.
What critics are saying
- Nubank erodes Mexico market share using 12 million customers in 6-12 months.
- OJK spurs Indonesian banks like Bank Sampoerna to crowd out PayJoy in 12-24 months.
- Chinese regulations revoke mobile locking approvals, halting China operations in 6-12 months.
What makes PayJoy unique
- PayJoy uses patented mobile locking technology with smartphones as collateral.
- Data science and anti-fraud AI enable credit for 19 million first-time borrowers.
- Global partnerships in nine countries target underserved emerging markets.
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Benefits
Health Insurance
Life Insurance
Disability Insurance
Wellness Program
Professional Development Budget
Commuter Benefits
Meal Benefits
Unlimited Paid Time Off
Paid Vacation
Paid Sick Leave
Home Office Stipend
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -1%2 year growth
↓ -1%PayJoy, a financial services provider in emerging markets, has appointed Iván Canales as Chief Revenue Officer. Canales will lead global revenue strategy, focusing on scaling growth and expanding into new geographies. Canales previously served as Country Manager of Nu Mexico, where he launched Nubank's first Mexican product and scaled the business to over 12 million customers. He helped transform the operation from a regulated microfinance institution into one of Mexico's most significant financial institutions. Before Nubank, Canales held leadership positions at BlackRock, Amazon Web Services, Credit Suisse and Merrill Lynch. He holds an MBA from Stanford Graduate School of Business and a bachelor's degree in computer science from Cornell University. PayJoy has financed over $3.5 billion in loans to more than 19 million people across nine countries.
PayJoy receives $140M Debt Facility from Neuberger Berman Funds. PayJoy, a San Francisco, CA-based markets credit provider, raised $140M in Debt Facility from Neuberger Berman Funds. The amount will support the company's geographic and product expansion, ongoing investments in point-of-sale financing and credit cards, and continued growth across Latin America, Africa, and Asia. Led by CEO Doug Ricket, PayJoy expands credit access across emerging markets through point-of-sale financing and credit card products. Its proprietary secured-credit technology enables first-time borrowers to responsibly build financial stability and participate fully in the modern economy. Through its machine learning, data science, and anti-fraud AI, PayJoy has financed over $3.5 Billion of loans with over 17 million people and employs over 1,000 people worldwide.
PayJoy, an emerging markets credit provider, has secured a $140 million corporate debt facility from funds managed by Neuberger Berman, expanding a partnership that began in 2022. The facility will support the company's geographic and product expansion across Latin America, Africa and Asia. The financing will fund PayJoy's ongoing investments in point-of-sale financing and credit cards as it works to expand credit access in emerging markets. CEO Doug Ricket said the partnership provides flexibility to serve millions more customers responsibly. Zhengyuan Lu, managing director at Neuberger Berman, cited PayJoy's technology-driven approach and strong track record as key factors in extending the relationship. The deal strengthens PayJoy's balance sheet whilst providing structural flexibility to support rapid growth and continued innovation.
PayJoy launches in Indonesia to advance inclusion through credit access. PayJoy JAKARTA, Indonesia, Nov. 26, 2025 /PRNewswire/ - PayJoy, a leading emerging-markets credit provider, today announced its official launch in Indonesia through a strategic partnership with PT Bank Sahabat Sampoerna (Bank Sampoerna). Building on its successful operations in the Philippines, Mexico, Brazil, South Africa, and other markets, PayJoy is introducing its inclusive credit solutions to Indonesia to further expand access to affordable and responsible credit across the region. "There's a significant gap in credit access across Southeast Asia, and PayJoy is committed to helping close it responsibly," said Rene Payan, Philippines Country Manager and PayJoy's lead for new-market launches. As Indonesia accelerates its digital transformation and the Financial Services Authority (OJK) targets 98% financial inclusion by 2045, PayJoy's entry supports national efforts to expand access to credit responsibly and sustainably. After scaling to 17 million customers worldwide, PayJoy is growing at an annualized 40 percent while maintaining profitability in 2025. PayJoy is on track to reach about US$650 million in revenue and US$110 million in profit by the end of 2025. Since its founding in 2015, PayJoy has become one of the world's most trusted innovators in alternative credit infrastructure. The company's expansion into Indonesia underscores its long-term commitment to creating open, equitable, and inclusive financial systems worldwide. About PayJoy PayJoy expands credit access across emerging markets through point-of-sale financing and card products. Its proprietary secured-credit technology enables first-time borrowers to responsibly build financial stability and participate fully in the modern economy. Through its cutting-edge machine learning, data science, and anti-fraud AI, PayJoy has financed over $3.5 billion of loans with over 17 million people and employs over 1,000 people worldwide. For more information, visit https://www.payjoy.com/. Logo - https://mma.prnasia.com/media2/2573822/PayJoy_logo.jpg?p=medium600
PayJoy, a Public Benefit Corporation, announced a significant investment in its PayJoy Asset Fund (PJAF) from T. Rowe Price Associates. This funding aims to enhance financial inclusion by broadening access to credit and smartphones in developing nations. PJAF manages over $250 million in assets, with plans to scale to over $1 billion. The investment supports PayJoy's mission to empower underserved communities, with research showing a 6% increase in household income for its customers.