Risk Engineer

About Paidy Inc.

Paidy is Japan's pioneer and leading BNPL service company. At Paidy we believe in creating simple, instant experiences to take the hassle out of shopping with a touch of magic.

Paidy offers instant, monthly-consolidated credit to consumers by removing hassles from payment and purchase experiences. Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants. Paidy increases revenue for merchants by reducing the number of incomplete transactions, increasing conversion rates, boosting average order values, and facilitating repeat purchases from consumers. 

Paidy has reached an agreement to join PayPal, the global payments company. Paidy will continue to operate its existing business, maintain its brand and support a wide variety of consumer wallets and marketplaces by providing convenient and innovative services.

Paidy continues to innovate to make shopping easier and more fun both online and offline. For more information, please visit http://www.paidy.com. 

About Position 

As a member of our Risk Engineering Team, you'll play a pivotal role in driving the innovation and development of mission-critical software systems that power Paidy's risk assessment and fraud prevention strategies. Our team is responsible for a diverse set of microservices that can be classified into three main categories, each presenting unique challenges:

1. Synchronous Microservices: In this role, you will work on synchronous microservices that underwrite transactions and applications. These services rely on cutting-edge statistical models, and the challenge here is to process and analyze vast amounts of data within milliseconds. You'll be at the forefront of optimizing and fine-tuning these systems for real-time decision-making, ensuring a seamless and secure payment experience for our customers.
2. Asynchronous Microservices: Your responsibilities will also encompass asynchronous microservices, which are designed to monitor, alert, and block potentially fraudulent transactions and applications. These systems operate on extensive datasets, and your focus will be on optimizing the throughput of these services. Your work here will directly impact our ability to swiftly detect and mitigate fraudulent activities, safeguarding the integrity of our platform.
3. Internal Tools: In addition to the core risk assessment services, you'll have the opportunity to work on internal tools that empower our operations team to efficiently manage their workflows. These tools are essential for ensuring smooth day-to-day operations and customer service.

At Paidy, we are committed to delivering high-quality backend software, and we achieve this through our use of Scala in a pure functional and pragmatic manner. We prioritize simple  solutions that allow us to iterate quickly in a production environment.

We place a strong emphasis on ownership and trust within our team. As a Risk Engineer, you'll be expected to take ownership of your projects and collaborate effectively with your colleagues. We trust each other to deliver top-tier work in a timely manner, and we believe in fostering an environment where creative problem-solving and continuous improvement are not just encouraged but expected.

If you are passionate about tackling complex challenges in the world of risk engineering, and if you're excited about joining a team that values collaboration, innovation, and a commitment to delivering excellence, we'd love to have you as part of our Risk Engineering Team at Paidy.

Key Role and Responsibilities

As a Risk Engineer at Paidy, you will have a dynamic role that involves collaborating with various teams and driving the development of our risk assessment and fraud prevention systems. Your responsibilities will encompass:

• Cross-functional Collaboration: Work closely within cross-functional teams, collaborating with product owners, data scientists, and other business domain engineers to deliver new features. Your contributions will be instrumental in enhancing our risk assessment and fraud detection capabilities, ensuring a robust and secure payment platform.
• Standards and Compliance: Periodically assess our services to ensure they meet our security, maintainability, observability, and reliability standards. Identify any deficiencies and actively engage with the team to address them. Your vigilance will contribute to the integrity and efficiency of our risk management systems.
• Performance and Security Assurance: Engage directly with product owners and stakeholders to guarantee that new requirements do not compromise our platform's performance, reliability, or security. Your involvement will be crucial in maintaining the high standards of our payment ecosystem.
• Technical Leadership: In the role of a feature team lead, take the lead in designing and building consensus around new solutions architecture. Develop the technical implementation roadmap and collaborate with the team to execute it. Your leadership will play a pivotal role in shaping the future of our risk assessment and fraud prevention strategies, ensuring their continued effectiveness and relevance.

Your role as a Risk Engineer at Paidy is multi-faceted, offering opportunities to collaborate, uphold standards, safeguard performance and security, and provide technical leadership. You'll be an integral part of a team that thrives on innovation and excellence in the realm of risk engineering, and your contributions will directly impact the security and efficiency of our payment platform.

Skills and Requirements

• Required to have:
  • Understanding of software architecture and design with the ability to align the overall service and Paidy architecture
  • Experience with distributed systems, scalability and low latency software
  • Experience with maintaining and further developing existing code bases
  • Ability to work with non-experts, discuss their needs and help them formulate their requirements.
  • Ability to explain complex technical concepts to non-experts
  • Shows interest in the organization's engineering strategy, product development strategy and how that aligns to the overall business strategy
  • Ability to define task outlines and deliverables
  • Demonstrates a sense of urgency when required
  • Ability to manage some ambiguity and exercises good judgment when needed
  • Ability to give and receive constructive feedback tactfully upstream and downstream
  • Excellent communication skills, ability to interact effectively with multidisciplinary teams
  • High degree of English proficiency both verbal and written (no certification required)
• Big plus if you have experience with:
  • Knowledge of Functional Programming and/or Scala and its ecosystem
  • JVM, Scala, Kotlin or Java
  • Kafka, Cassandra, Postgres and  REDIS
  • CircleCI, AWS, AWS Lambda, Fargate, Terraform, Datadog
  • Event Sourcing and CQRS
  • Working on a payment platform or other fintech field

The Paidy team will ask about your user experiences with Paidy Apps during the interview. Please download the Paidy App and try it out!

• iOS: https://apps.apple.com/jp/app/paidy/id1220373112
• Android: https://play.google.com/store/apps/details?id=com.paidy.paidy&hl=en&gl=US

For those who are not able to download Paidy App, due to the regional restrictions, please be advised that you download the similar App, such as Klarna, Afterpay, Affirm and so forth, and come up with your opinions on these applications and services.

Please note that you must be eligible to work in Japan.

What We Offer You

• Diversified team with 230+ colleagues from 30+ countries
• Exciting work opportunities in a rapid-growing organization
• Cross-functional collaboration
• Hybrid remote work model - minimum 2 times in office per week (subject to change at company discretion)
• Competitive salary and benefits

Paidy Values

Be a winner / 勝ちにこだわる

• Always seek to beat expectations / 期待値を超える為に常に努力する
• Display surprising speed and resourcefulness / 人をスピードと機知で驚かす
• Overcome weaknesses by leveraging the strength and help of others to win / 仲間の強みを活かしたり協力を得ることで、自身の弱みや足りない点を克服する

Own and deliver, together / 共に結果を出す

• Fully support the final decision even if at times you may disagree / たとえ意見が対立することがあったとしても、最終決定を全面的に受け入れ支持する
• Acknowledge and gather the power of others, by communicating and collaborating with them / 仲間の力を認めて活用し、積極的にコミュニケーションをとり、協力する
• Show a will to own actions and go the extra mile without being asked / 行動について強いオーナーシップを持ち、言われずとも業務を遂行しきる覚悟を持つ

Be a valued team member / 価値を認められるメンバーになる

• Strive to play an integral role / 替えの効かない役割を果たす
• Embrace and bridge differences in perspective, language and culture / 異なる意見・考え方、言語と文化の架け橋になる
• Don’t compromise - raise the bar for yourself and others / スタンダードを上げ続けることに妥協しない