About Paidy Inc.
Paidy was founded with the mission to create a world of “We remove the barriers,embrace simplicity”, offering its real-time monthly consolidated credit service all across Japan. Paidy started Japan’s first instant post-pay credit service for e-commerce consumers inOctober 2014. Paidy requires no pre-registration or credit card to use; Paidy consumers purchase products online using only a mobile phone number and email address (verification is established though a four-digit code via SMS or voice pin-code) and settle a single monthly bill for all their purchases, either at a convenience store, by bank transfer or auto debit. Paidy also supports multi-pay installments and subscriptions. There are currently over 3,000,000 Paidy accounts in use (Mar 2020). Paidy has proved a powerful means of persuading first time buyers to transact online. Its proprietary models and machine learning mean that transactions are underwritten in seconds, with guaranteed payment to merchants.

Paidy increases merchant revenues by reducing incomplete transactions, increasing conversion rates, boosting average order values, and facilitating easy repeat buying. For more information visit http://www.paidy.com.


About the Position

This position is for a Senior Software Engineer - Banking, reporting to the Consumer Finance Engineering Manager, who will lead and develop projects integrating with APIs for Japanese Banks and working with credit card integrations.  As such, the following skills/experience areas are required:

* Software Engineering Experiences in Japan Retail Finance (Retail Bank, Credit Card, Consumer Finance, Online Brokerage) are must. 

* Fluency in Japanese is mandatory.

* At least 5 years of backend development in multiple modern programming languages (C/C++, Java, Rust, Scala, Golang, etc.)

* Extensive experience with designing software both from the ground up and making changes to existing applications (OO-design, Microservices, functional design, DDD, Domain/Protocol separation, etc.)

* Knowledge of systems development and operations (Docker, Redis, SQL DBs, AWS, Source-control, CI/CD systems, etc.)

* Understanding of OO-design principles

* Understanding of functional programming paradigm and methodologies

* Understanding of banking systems in Japan

* High-level fluency (native or near-native) in Japanese, both verbal and written (many Bank API specs will be written in Japanese, and the applicant must be able to read through them)

The following are encouraged, but not required:

* Deep development experience with multiple programming languages

* Intermediate knowledge of and experience with functional programming.

* 2+ years experience in the Fin-Tech industry, especially with banking systems and/or credit-card processing systems.

* Conversational-level fluency in English is a plus

* Team-management or project lead experience leading teams of 3+ people on development projects.


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