Software Engineer - Security Test

About 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 role The Software Security Test Engineer is responsible for consistent effort in monitoring Android-based attack tools and performing security testing on all tools that may be a threat to PayJoy’s lock products. Responsibilities • Collect and evaluate hacking tools; continuously monitor emerging attack techniques and tools that could impact company products. • Perform security testing on OEM mobile phones using hacking tools and techniques. • Reproduce and verify security issues discovered on social media, public forums, and other open sources. • Produce, manage, and maintain clear security testing reports. • Coordinate with internal teams and external parties to track, prioritize, and verify fixes for security issues. Requirements • Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. • 4+ years of experience in financial technology services. • Strong understanding of Android security architecture. • Practical knowledge of secure boot and the device boot chain. • Hands-on experience with Android permissions, app sandboxing, and privilege models. • Proven experience in security testing — identifying, reproducing, and documenting vulnerabilities in mobile devices or applications. • Ability to write clear and structured technical reports. • Good English reading and writing skills for report preparation and cross-team communication. Benefits • 100% Company Funded : Private Health Insurance for employee and immediate family • Company Funded employee life and disability insurance • 15 days vacation, unlimited sick leave • Phone finance, Headphone, home office equipment and wellness perks. • $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 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