Job Description

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.


Summary: What you need to know about the role As a Software Engineer 3, you will be developing back-end Java applications. You will leverage your technical expertise to build solutions that empower our customers to effortlessly access and manage credit services. Looking for a backend engineer with relevant working experience who will collaborate closely with cross-functional teams to deliver impactful solutions through established software development lifecycle framework. Meet our team The GML team (Global Merchant Lending) is part of SMB & Financial Services group within PayPal. The Team owns a variety of Lending Products like PayPal Working Capital, PayPal Business Loan etc. operating in markets across the world. GML products give SMBs, the access to the capital they need, but faster and easier than traditional loans. The impact we have on our customers' businesses is what drives us to innovate.


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Your way to impact



Your work will directly contribute to PayPal's overarching mission of revolutionizing commerce globally. By building, enhancing, and scaling the back-end applications that underpin our credit experiences, you will be a key player in enabling seamless and innovative financial services for our customers worldwide. Your efforts in developing high-quality, secure, and performant software solutions will not only improve user experiences but also drive the financial inclusion and flexibility that is critical in today's digital economy. Your role goes beyond coding; it's about making a tangible impact on the lives of millions.

Your day to day

• Own implementation of a module/application/product
• Develop, test, and deploy robust software solutions using Java in a Linux/Unix environment, ensuring high performance, security, and scalability.
• Participate in complex architectural discussions that involve multiple systems.
• Identify any product/functionality gaps and collaborate internal product and technology teams to define the necessary development to support solution delivery.
• Take care of operation excellence process and guideline. Contribute to troubleshooting and resolving production issues.
• Pro-active response in identifying and troubleshooting integration or technical issues.
• Challenge the status quo when needed.
• Ownership and strive for excellence in your role.
• Mentor and train new team members, sharing your knowledge and experience to help onboard them onto the team quickly and efficiently, fostering a culture of learning and continuous improvement.

What do you need to bring

• A bachelor's degree in computer science or an equivalent combination of

technical education and work experience.
• 5+ years' experience building software or web applications with object oriented or functional programming languages.
• Expert knowledge in Java, J2EE, REST
• Deep understanding of and extensive experience applying advanced object-oriented design and development principles.
• Intermediate level understanding of designing and developing data intensive applications and architecting them for scalability and availability.
• Demonstrated ability to scope, create and successfully deploy new strategy/ initiatives / capabilities.
• Experience applying software design patterns, data structures, algorithms.
• Good analytical and problem-solving skills
• Strong debugging and problem resolution skills
• Focuses on test driven development and automation.
• Experience collaborating with business users to define the key business requirements and translate them into process/technical solutions.
• Experience developing automated unit, integration, and functional tests,

preferably in a Java environment using tools like JUnit, Mockito, or Spring Test.
• Competent in software engineering tools (e.g. Java build tools) and best practices (e.g. unit testing, test automation, continuous integration, etc.)
• Experience to interact with engineering teams from multiple geo-locations.
• Should have good communication skills.
• Expertise in online payments and related domains is a plus

•We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply. •


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:


To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx





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.