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PayJoy

Posted 4 months ago

Open

Senior Software Engineer iOS

San FranciscoOn-siteFull-time

AI Summary

Senior iOS Engineer who designs, builds, and maintains PayJoy’s iOS app across markets using Swift, SwiftUI, and modern iOS frameworks; responsible for technical design, delivery, release processes, and long-term health of the app.

About this role

About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role

As a Senior iOS Engineer, you are a highly senior and independent individual contributor who executes iOS technical design and implementation. You write software to create a high bar on code quality and the features that expand financial opportunity for underserved communities around the world. You are the expert resource on iOS and model the decision-making and interpersonal behaviors that enable PayJoy to deliver reliable, scalable, mission-critical financial technology.

Responsibilities

  • Design, build, and operate our iOS app across multiple markets.
  • Implement effective, resilient, and scalable features using Swift, SwiftUI, modern iOS frameworks, unit/integration tests, and clean architecture practices.
  • Ensure long-term system health, maintainability, and performance.
  • Provide technical input on system-level decisions, identifying and resolving cross-team technical obstacles.
  • Own Delivery End-to-End
  • Own the technical design, implementation, testing, rollout, and long-term maintenance of major iOS features.
  • Be a strong participant in the end-to-end release process for PayJoy’s iOS applications, ensuring timely, reliable, and high-quality delivery across TestFlight, App Store Connect, and production environments.
  • Monitor build health, crash reports, and performance metrics during TestFlight and post-release, driving rapid iterations or rollbacks as needed.
  • Proactively manage ambiguous or novel problem spaces, ensuring clarity and alignment for collaborating teams.
  • Communicate clearly at both tactical and strategic levels, helping colleagues understand tradeoffs, timelines, and dependencies.

    • Requirements

  • 5+ years of professional experience building native iOS applications.
  • Strong proficiency in Swift, iOS architectural patterns, async programming, iOS system security, and MDM-aware iOS apps.
  • Experience managing TestFlight and App Store app submissions and handling App Store rejections.
  • Demonstrated ability to deliver complex features.
  • Experience with one (or several!) of these areas: mobile credit/payments products, MDM and enterprise management, Android development, or emerging markets.
  • Experience in product experimentation, A/B testing, analytics, and reliability engineering.
  • Exceptional communication, collaboration.
  • A mindset aligned with PayJoy’s mission of expanding financial access and culture of speed, transparency, direct communication, and adaptability.
  • Advanced English Level

    • Benefits

  • Local benefits depending on the country of hire
  • Company-funded health insurance for employee and immediate family
  • Company-funded employee life and disability insurance
  • Paid vacation days, unlimited sick leave
  • $2,000 USD annual Co-working travel perk
  • $2,000 USD annual Professional Development perk
  • Phone finance, headphone benefit, home office equipment allowance and wellness perks
  • Catered lunches

    • Skills

    A/b TestingApp Store ConnectAsync ProgrammingCrash ReportingFeature DeliveryIntegration TestingIOSMDM-aware IOS AppsMobile Payments/credit ExperienceMVVM / Clean ArchitecturePerformance MonitoringReliability EngineeringSecuritySwiftSwiftUITestFlightUnit Testing

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