Staff Software Engineer iOS - PayJoy

Job Title: Staff Software Engineer iOS
Job Location: San Francisco, CA
Job Listing URL: https://jobs.lever.co/payjoy/24aed9e9-eb07-4638-8291-76c89176865a
Job Description: About PayJoy

PayJoy 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

The Staff Software Engineer iOS is responsible for executing iOS technical design and implementation, by writing software to create a high bar on code quality and model the decision-making and interpersonal behaviors that enable the features that expand financial opportunity for underserved communities around the world.
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 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
Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
8+ years of professional experience building native iOS applications.
Expert-level 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 end-to-end across multiple teams for large-scale mobile applications.
Experience with one (or several!) of these areas: mobile credit/payments products, MDM and enterprise management, Android development, or emerging markets.
Strong background in product experimentation, A/B testing, analytics, and reliability engineering.
Exceptional communication, collaboration, and mentorship skills.
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, home office equipment and wellness perks
Catered lunches