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:

What you need to know about the role

As a Senior Software Engineer on PayPal’s Risk Decision Platform, you will build the core platform powering decision systems for 80+ internal teams in risk, compliance, and limits. This backend role involves developing distributed, scalable, high-performance systems supporting rule-based decisioning, real-time analytics, and resilience. You will work through the full SDLC—from architecture and development to deployment and operations. Strong Java and distributed systems skills, teamwork, communication, mentoring, and passion for continuous improvement are essential.

Meet your team

The Risk Decision Platform Team supports fraud prevention and compliance with dynamic rule-based services. Serving 80+ teams, we adapt to new requirements and scale. Agile-driven, we focus on reliability, innovation, and quick delivery. We handle design, development, testing, release, monitoring, and DevOps.

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 issuesGuides junior engineersOperates with little day-to-day supervision, making technical decisions based on knowledge of internal conventions and industry best practicesApplies 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:

What you need to bring

Experience & Education

5+ years of backend development experience.Bachelor’s degree in Computer Science or a related technical field.

Core Technical Skills

Advanced proficiency in Java EE with deep experience in Spring MVC.Solid knowledge of software engineering principles, algorithms, data structures, and object-oriented design.Hands on experience building and scaling RESTful APIs and services with a focus on high availability and reliability.Hands-on experience with distributed systems and data technologies such as Hadoop and Spark.Proficiency with build and version control tools (Maven, Git).AI-powered developer tools for faster day to day tasks and automation.

System Knowledge

Experience with SQL and NoSQL databases.Familiarity with message queues and data pipelines.Strong understanding of CI/CD pipelines and working in Scrum/Agile environments.Exposure to shell scripting, networking concepts, and DevOps practices.Experience with rule engine products will be added advantage.Experience with cloud platforms (AWS, GCP)

Soft Skills & Teamwork

Proven ability to mentor junior engineers and contribute to code and design reviews.Analytical thinking and problem-solving skills, including the ability to perform root cause analysis effectively.Ability and flexibility to work in cross-functional roles and support all phases of the SDLC.Excellent verbal and written communication skills.Strong sense of ownership, accountability, and ability to operate in a high-change, fast-paced environment.

4. Your day to day

Collaborate with Product Owners and cross-functional teams to comprehend business requirements and deliver scalable solutions.Proactively identify and communicate potential issues to the team and management in a timely manner.Collaborate with a team of skilled engineers, product managers, and architects to design and develop a highly scalable and configurable Risk Platform.Contribute to design meetings, proposing, discussing, and refining new features and functionalities.Engage in all phases of the project life cycle, from kickoff through requirements analysis, design, and implementation.Demonstrate self-starting capabilities, working independently or as part of a team, and possess strong communication skills for interfacing with business partners and Technology.Communicate technical standards, principles, methodology, and trends to stakeholders effectively.Apply analytical and innovative thinking to develop comprehensive detailed specifications.Excel in cross-functional collaboration and achieve results in matrix organizations.Utilize experience in engineering support throughout the product development life cycle (PDLC).Possess working knowledge of fintech standards and practices, preferred.

Preferred Qualifications

Experience with large-scale, high-performance systems.Knowledge of the payment processing industry and relevant regulations.Experience with cloud platforms (AWS, GCP, Azure).Contributions to open-source projects.

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 https://careers.pypl.com/contact-us.

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 https://www.paypalbenefits.com.

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 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.

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.