Senior Software Engineer • Risk

Senior Software Engineer • Risk Join PayPal to work on the Buy Now Pay Later Risk Platform team, delivering scalable and reliable solutions that protect our global Pay Later users. Job Description 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 will 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 services that power risk solutions for PayPal’s Global Pay Later business. 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. Additional Responsibilities and Preferred Qualifications 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. Our Benefits We have great benefits including a flexible work environment, employee share options, health and life insurance and more. For more information, visit https://www.paypalbenefits.com 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. How to Apply We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Don’t hesitate to apply. PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. For more information about how to identify and avoid recruitment fraud, visit https://careers.pypl.com/contact-us. #J-18808-Ljbffr