Senior Software Engineer iOS in San Francisco

Job DescriptionJob DescriptionAbout 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 roleResponsibilities

• 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.

• 5+ years of professional experience building 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

• Local benefits depending on the country of hire
• Company-funded health insurance for employee and immediate family
• Company-funded employee life and 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

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 , , , , (including , childbirth, or related medical conditions), , , expression, , status as a protected veteran, status as an individual with a , 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 * Speed * Active Listening