Staff Software Engineer - Martech (SF) at payjoy

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 credit cards, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety 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 – MarTech Systems is responsible for defining the architectural direction and making high-impact technical decisions that will shape the development of platforms for MarTech Systems, which drive global customer acquisition, activation, engagement, and retention. Responsibilities • Architect and own PayJoy’s marketing-technology platforms, including attribution pipelines, tracking frameworks, lifecycle automation engines, personalization systems, and CRM/CDP integrations. • Lead medium-to-large, multi-team engineering initiatives end-to-end, including problem definition, architecture design, planning, risk mitigation, execution, testing, deployment, and ongoing monitoring. • Make high-impact technical contributions across complex distributed systems, unblocking teams and elevating system reliability, performance, and scalability. • Define technical direction, standards, and best practices for MarTech systems, driving alignment across Engineering, Product, Marketing, and Data. • Ensure operational excellence by establishing SLOs, improving observability, reducing incidents, managing technical debt, and maintaining high code quality. • Represent MarTech systems in cross-functional forums, clearly communicating architectural trade-offs, risks, timelines, and business impact to senior stakeholders while influencing roadmap decisions. Requirements • 10+ years of software engineering experience, with ownership of MarTech platforms, distributed systems, or large-scale data pipelines. • Strong, hands-on experience in MarTech / Growth Engineering, including attribution, event tracking, analytics, marketing automation, personalization, and CRM/CDP integrations. • Proven experience working with Adobe Experience Platform (AEP) and Adobe Experience Cloud (identity, audience management, data activation). • Experience with Salesforce and at least one lifecycle marketing platform (Marketo or Braze). • Ability to design end-to-end architecture, define a technical roadmap, and turn ambiguity into clear, scalable solutions. • Hands-on experience with cloud-native architectures, APIs, event-driven systems, and data modeling (AWS preferred). • Strong technical leadership as an individual contributor: influence, ownership, and decision-making. • Excellent collaboration with Marketing, Product, and Data teams. Nice to Have • Experience integrating CPQ / contract systems (DealHub, Ironclad). • Experience building in-house personalization engines or CMS. • Exposure to AI/ML models for growth, targeting, or recommendations. • Background in fintech or data- and marketing-heavy environments. Benefits • Company-funded health, dental, and vision insurance for employee and immediate family • Company-funded employee life and disability insurance • 401k contribution • Company holidays; 20 days of vacations; unlimited sick leave • Commuter benefit ($270/month) PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. PayJoy Principles Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening