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Principal Software Engineer, SMB &FS

PayPal

$188,000 - $323,950
Nov 14, 2025
Chicago, IL, US
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PayPal is looking to evolve its platforms powering SMBs, including merchant payments, settlement & reconciliation, payouts, merchant services, developer experiences, capital/working-capital lending, and embedded finance. The company aims to lead a multi-year transition from on-premise to cloud-native architectures and architect AI-native commerce capabilities.

Requirements

  • Minimum of 15 years of relevant work experience

Responsibilities

  • Own the technical vision and execution for platforms powering SMBs such as merchant payments, settlement & reconciliation, payouts, merchant services and developer experiences, capital/working‑capital lending, and embedded finance.
  • Lead the multi‑year evolution from on‑prem to cloud‑native architectures.
  • Architect AI‑native commerce capabilities—including agentic commerce (autonomous, tool‑using AI that reasons and acts across buyer–merchant journeys), real‑time risk/underwriting, and intelligent payment orchestration.
  • Operate across org boundaries to set platform standards, influence executive strategy, and increase engineering leverage at scale.
  • Increases results & effectiveness of all software engineers in a large domain
  • Sets the technology roadmap for a domain
  • Adapts their role to the need, selecting the most effective means of realizing their technical goals

Other

  • Provides advice and counsel to senior executives within PayPal, influencing the development of multi-year business strategies
  • Exercises wide latitude in determining objectives and approaches to assignments and takes initiative to achieve results
  • Handles ambiguous and unfamiliar situations and uses creativity to deliver decisive resolutions
  • Uses discovery & exploratory research, not being limited to technical domains, to make successful decisions
  • Identifies themes & trends that span projects and teams, and finds broadly impactful opportunities for improvement