[{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Lima","team":"Merchant Operations","allLocations":["Lima"]},"createdAt":1780096345845,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nAs a Promoter Analyst, you will be responsible for managing and optimizing field promoter operations through close coordination with agency partners. At PayJoy, your role focuses on ensuring proper execution at the point of sale by monitoring promoter performance, coverage, and compliance with operational standards. You will act as the key point of contact between the company and field agencies, ensuring efficient staffing, accurate reporting, and seamless execution of commercial initiatives that directly impact sales performance and customer experience.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
As a Promoter Analyst, you will be responsible for managing and optimizing field promoter operations through close coordination with agency partners. At PayJoy, your role focuses on ensuring proper execution at the point of sale by monitoring promoter performance, coverage, and compliance with operational standards. You will act as the key point of contact between the company and field agencies, ensuring efficient staffing, accurate reporting, and seamless execution of commercial initiatives that directly impact sales performance and customer experience.
","id":"bfb684dd-b619-4901-9685-3759475f6c44","lists":[{"text":"Responsabilities","content":"\n\n
Manage day-to-day operations with field agencies (Salesland and Overall), ensuring compliance with schedules, coverage, and execution standards at point of sale.\n
\nTrack promoter attendance, shifts, incidents, and requests, ensuring timely resolution and proper coverage across all assigned locations.
\n\n
\nCoordinate directly with agencies for promoter allocation, replacements, and staffing adjustments based on commercial needs.
\n\n
\nMonitor compliance with KPIs, SLAs, and operational targets, and follow up regularly to ensure corrective actions are implemented.
\n\n
\nConduct frequent check-ins with agencies to review performance, service levels, and operational issues.
\n\n
\nValidate and reconcile agency reports (attendance, productivity, and billing), ensuring accuracy before processing invoices.
\n\n
\nRegister invoices in the system and follow up to ensure timely payment to agency partners.
\n\n
\nSupport the implementation of field initiatives (campaigns, activations, incentives), ensuring proper execution by promoters.
\n\n
\nGenerate and maintain operational reports on promoter performance, coverage, and sales support activities.
\n\n
\nCoordinate with internal teams (Sales, Finance, Operations) to ensure smooth execution of field activities and alignment with business needs.
\n\n\n
\n\n
\n3+ years of experience in field operations, sales support, or promoter/retail management, preferably in industries such as telecom, retail, or financial services.
\n\n
\nProven ability to manage operational KPIs (attendance, coverage, productivity) and handle large volumes of data with attention to detail.
\n\n
\nStrong organizational and communication skills (both verbal and written), with the ability to coordinate effectively with external partners and internal teams.
\n\n
\nProficiency in Microsoft Excel and Google Workspace (intermediate to advanced level) for reporting, tracking, and data analysis.
\n\n
\nBachelor’s degree in Business Administration, Industrial Engineering, Economics, or a related field.
\n\n\n
100% Company-funded health insurance for employee and immediate family
\n\n\nPaid vacation days
\n\n\n$2,000 USD annual Co-working Travel perk
\n\n\n$2,000 USD annual Professional Development perk
\n\n\nPhone finance, headphone benefit, home office equipment allowance and wellness
\n\n\nCatered lunches
\n\n"}],"text":"Analista de Promotoría y Punto de Venta","country":"PE","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"As a Promoter Analyst, you will be responsible for managing and optimizing field promoter operations through close coordination with agency partners. At PayJoy, your role focuses on ensuring proper execution at the point of sale by monitoring promoter performance, coverage, and compliance with operational standards. You will act as the key point of contact between the company and field agencies, ensuring efficient staffing, accurate reporting, and seamless execution of commercial initiatives that directly impact sales performance and customer experience.
","descriptionBodyPlain":"As a Promoter Analyst, you will be responsible for managing and optimizing field promoter operations through close coordination with agency partners. At PayJoy, your role focuses on ensuring proper execution at the point of sale by monitoring promoter performance, coverage, and compliance with operational standards. You will act as the key point of contact between the company and field agencies, ensuring efficient staffing, accurate reporting, and seamless execution of commercial initiatives that directly impact sales performance and customer experience.\n","hostedUrl":"https://jobs.lever.co/payjoy/bfb684dd-b619-4901-9685-3759475f6c44","applyUrl":"https://jobs.lever.co/payjoy/bfb684dd-b619-4901-9685-3759475f6c44/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Bogotá, Bogotá D.C.","team":"Global Tools and Metrics","allLocations":["Bogotá, Bogotá D.C."]},"createdAt":1776876462500,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nMaximizing the use of APIs to automate customer support tickets.\nOptimizing customer authentication methods across all channels to streamline customer journey mapping.\nOrganizing and structuring API optimization requests for the engineering team, clearly outlining the impact and use case design.\nCollaborate with the Tools Global Manager to assess the company's tooling needs and requirements.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
\n- \n
Maximizing the use of APIs to automate customer support tickets.
\n \n- \n
Optimizing customer authentication methods across all channels to streamline customer journey mapping.
\n \n- \n
Organizing and structuring API optimization requests for the engineering team, clearly outlining the impact and use case design.
\n \n- \n
Collaborate with the Tools Global Manager to assess the company's tooling needs and requirements.
\n \n
\n
\n\n
\nCollaborate with the Tools Global Manager to assess the company's tooling needs and requirements.
\n\n
\nAssist in regular audits and assessments to ensure tools are functioning optimally and meeting user requirements.
\n\n
\nAssist in the configuration, customization, and optimization of tools to align with business objectives and workflows.
\n\n
\nProvide ongoing support and troubleshooting assistance to users experiencing issues with tools.
\n\n
\nDocument all changes made to the tools, as well as the inclusion and exclusion of access in order to provide track and control of these actions.
\n\n
\nProactively identify opportunities to enhance existing tools or implement new tools to drive efficiency and innovation and present implementation cases of said opportunities to the Global Tools Manager.
\n\n\n
\n\n
\nUndergraduate degree with 1-2 years experience in a customer experience or similarly high volume, highly structured environment.
\n\n
\nAnalytical skills in support of high impact initiatives.
\n\n
\nPrioritization skills to direct your own efforts amid competing priorities.
\n\n
\nAbility to communicate efficiently with stakeholders.
\n\n
\nProactive mindset.
\n\n
Proficiency in English.\n\n
\n\n
100% Company-funded Health for employees and immediate family members\nLife Insurance\nIndefinite-term contract\n20 days of vacations, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n\n"}],"text":"Automation Engineer","country":"CO","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
\n- \n
Maximizing the use of APIs to automate customer support tickets.
\n \n- \n
Optimizing customer authentication methods across all channels to streamline customer journey mapping.
\n \n- \n
Organizing and structuring API optimization requests for the engineering team, clearly outlining the impact and use case design.
\n \n- \n
Collaborate with the Tools Global Manager to assess the company's tooling needs and requirements.
\n \n
\n
PayJoy tem orgulho de ser um empregador com oportunidades iguais de emprego, e que acolhe e incentiva pessoas de todas as origens. Não discriminamos com base em raça, religião, cor, origem nacional, gênero (incluindo gravidez, parto ou condições médicas relacionadas), orientação sexual, identidade de gênero, expressão de gênero, idade, deficiência ou outras características legalmente protegidas aplicáveis.
\n
\n\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed
","categories":{"commitment":"Full-Time","department":"People","location":"São Paulo","team":"Talent Acquisition","allLocations":["São Paulo"]},"createdAt":1756408242330,"descriptionPlain":"Sobre a PayJoy\n \nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.\n \nEsta função\n\n\nPor que se cadastrar?\n\nEste banco de talentos é voltado para pessoas que desejam fazer parte da PayJoy Brasil, mesmo que não haja uma vaga aberta no momento. Ao se cadastrar, você entra no nosso radar para futuras oportunidades em áreas como:\n\n- Operações\n- Atendimento ao cliente\n- Tecnologia\n- Produto\n- Marketing\n- Recursos Humanos\n- Jurídico e Compliance\n\n\nO que buscamos\nPessoas curiosas, colaborativas, éticas e com vontade de transformar o acesso ao crédito no Brasil. Valorizamos experiências diversas, trajetórias não convencionais e aprendizados contínuos.\nPessoas que se conectem com nossos príncípios culturais: \n\n- Senso de dono\n- Romper barreiras\n- Comunicação ao vivo\n- Transparência e Objetividade\n- Foco na escala\n- Equilíbrio vida e trabalho\n- Abraçar a diversidade\n- Velocidade\n- Escuta Ativa\n\n\nCompromisso com Diversidade e Inclusão\n\nA PayJoy é uma empresa comprometida com a equidade. Incentivamos fortemente candidaturas de pessoas negras, indígenas, LGBTQIAPN+, pessoas com deficiência, mulheres e outros grupos sub-representados. Estamos alinhados com as diretrizes da Lei de Inclusão da Pessoa com Deficiência (Lei nº 13.146/2015) e com o Estatuto da Igualdade Racial (Lei nº 12.288/2010), além de apoiar iniciativas como o selo “Diversidade, Inclusão e Equidade no Ambiente de Trabalho”.\n","description":"Sobre a PayJoy
\n
\nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.
\n
\nEsta função
Por que se cadastrar?
Este banco de talentos é voltado para pessoas que desejam fazer parte da PayJoy Brasil, mesmo que não haja uma vaga aberta no momento. Ao se cadastrar, você entra no nosso radar para futuras oportunidades em áreas como:
- Operações
- Atendimento ao cliente
- Tecnologia
- Produto
- Marketing
- Recursos Humanos
- Jurídico e Compliance
O que buscamos
Pessoas curiosas, colaborativas, éticas e com vontade de transformar o acesso ao crédito no Brasil. Valorizamos experiências diversas, trajetórias não convencionais e aprendizados contínuos.
Pessoas que se conectem com nossos príncípios culturais:
- Senso de dono
- Romper barreiras
- Comunicação ao vivo
- Transparência e Objetividade
- Foco na escala
- Equilíbrio vida e trabalho
- Abraçar a diversidade
- Velocidade
- Escuta Ativa
Compromisso com Diversidade e Inclusão
","id":"f4f70254-63f2-40ca-a157-1885158fdf8a","lists":[{"text":"Benefícios","content":"Plano de Saúde Bradesco 100% coberto pela empresa para você e dependentes legais;Plano Odontológico SulAmerica 100% coberto pela empresa para você e dependentes legais;Seguro de Vida;Vale Refeição de R$50,00 por dia no Flash Card;Auxílio Home office via FlashCard;Budget Anual de $2,000 doláres para co-working travel perk;Budget Anual de $2,000 USD para investir na sua carreira;R$400 mensais para Mobilidad via Flash Card;Reembolso único para compra de equipamentos de home office, headphones;Reembolso para atividades de bem estar;Incentivo Phone finance. "}],"text":"Banco de Talentos - Pessoas com Deficiência","country":"BR","workplaceType":"hybrid","opening":"Sobre a PayJoy
\n
\nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.
\n
\nEsta função
","openingPlain":"Sobre a PayJoy\n \nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.\n \nEsta função\n","descriptionBody":"Por que se cadastrar?
Este banco de talentos é voltado para pessoas que desejam fazer parte da PayJoy Brasil, mesmo que não haja uma vaga aberta no momento. Ao se cadastrar, você entra no nosso radar para futuras oportunidades em áreas como:
- Operações
- Atendimento ao cliente
- Tecnologia
- Produto
- Marketing
- Recursos Humanos
- Jurídico e Compliance
O que buscamos
Pessoas curiosas, colaborativas, éticas e com vontade de transformar o acesso ao crédito no Brasil. Valorizamos experiências diversas, trajetórias não convencionais e aprendizados contínuos.
Pessoas que se conectem com nossos príncípios culturais:
- Senso de dono
- Romper barreiras
- Comunicação ao vivo
- Transparência e Objetividade
- Foco na escala
- Equilíbrio vida e trabalho
- Abraçar a diversidade
- Velocidade
- Escuta Ativa
Compromisso com Diversidade e Inclusão
","descriptionBodyPlain":"Por que se cadastrar?\n\nEste banco de talentos é voltado para pessoas que desejam fazer parte da PayJoy Brasil, mesmo que não haja uma vaga aberta no momento. Ao se cadastrar, você entra no nosso radar para futuras oportunidades em áreas como:\n\n- Operações\n- Atendimento ao cliente\n- Tecnologia\n- Produto\n- Marketing\n- Recursos Humanos\n- Jurídico e Compliance\n\n\nO que buscamos\nPessoas curiosas, colaborativas, éticas e com vontade de transformar o acesso ao crédito no Brasil. Valorizamos experiências diversas, trajetórias não convencionais e aprendizados contínuos.\nPessoas que se conectem com nossos príncípios culturais: \n\n- Senso de dono\n- Romper barreiras\n- Comunicação ao vivo\n- Transparência e Objetividade\n- Foco na escala\n- Equilíbrio vida e trabalho\n- Abraçar a diversidade\n- Velocidade\n- Escuta Ativa\n\n\nCompromisso com Diversidade e Inclusão\n\nA PayJoy é uma empresa comprometida com a equidade. Incentivamos fortemente candidaturas de pessoas negras, indígenas, LGBTQIAPN+, pessoas com deficiência, mulheres e outros grupos sub-representados. Estamos alinhados com as diretrizes da Lei de Inclusão da Pessoa com Deficiência (Lei nº 13.146/2015) e com o Estatuto da Igualdade Racial (Lei nº 12.288/2010), além de apoiar iniciativas como o selo “Diversidade, Inclusão e Equidade no Ambiente de Trabalho”.\n","hostedUrl":"https://jobs.lever.co/payjoy/f4f70254-63f2-40ca-a157-1885158fdf8a","applyUrl":"https://jobs.lever.co/payjoy/f4f70254-63f2-40ca-a157-1885158fdf8a/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Sao Paulo","team":"Marketing","allLocations":["Sao Paulo","Bogotá, Bogotá D.C.","Mexico City, CDMX"]},"createdAt":1779822859572,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
We are looking for a Global Brand Design Manager with a strategic vision and command of
generative AI tools, capable of leading the brand’s visual identity on a global scale. This person
will be responsible for defining and evolving the brand design system, ensuring consistency
across all touchpoints, and accelerating creative production through AI-powered workflows.
The ideal candidate blends a strong aesthetic eye with systems thinking, cross-functional
leadership, and technological curiosity to integrate artificial intelligence as a core tool in the
creative team’s processes.
","id":"44db0d24-52eb-4201-9957-94398ccc1051","lists":[{"text":"Responsibilities","content":"\nBrand Strategy & Creative Leadership\n\nDefine, protect, and evolve the global visual brand identity across all channels
and markets.\nDevelop and maintain the Brand Design System (typography, color, iconography,
motion, photography, visual tone).\nPartner with the Director of Brand to translate business strategy into creative visual
direction.\nEnsure brand consistency across global campaigns, product, packaging, retail,
and digital experiences.\nLead creative reviews of deliverables, ensuring quality standards and strategic
alignment.\n\n\nTeam Management & Collaboration\n\nLead and mentor a global team of designers (in-house and external agencies).\nEstablish creative quality standards, review workflows, and feedback frameworks.\nCollaborate cross-functionally with Product, Marketing, Growth, Content, and
Commercial teams.\nManage relationships with external agencies and creative vendors, ensuring
brand alignment.\n\n\nArtificial Intelligence Applied to Design\n\nDefine the adoption strategy for generative AI tools within the creative team’s
workflows.\nImplement AI-assisted workflows for image generation, video, and motion
graphics to accelerate production without sacrificing brand quality.\n\n\n"},{"text":"Qualifications","content":"\nBachelor's degree or studying in a field related to Graphic Design, Visual
Communication, Art Direction.\n5+ years in brand design, with at least 3 years in leadership roles managing teams and
budgets.\nStrong portfolio demonstrating creative direction for omnichannel campaigns for
recognized brands.\nExperience managing globally distributed teams and coordinating with international
agencies.\n"},{"text":"Benefits","content":"\nLocal benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family Company-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches \n"}],"text":"Brand Design Manager","country":"BR","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"We are looking for a Global Brand Design Manager with a strategic vision and command of
generative AI tools, capable of leading the brand’s visual identity on a global scale. This person
will be responsible for defining and evolving the brand design system, ensuring consistency
across all touchpoints, and accelerating creative production through AI-powered workflows.
The ideal candidate blends a strong aesthetic eye with systems thinking, cross-functional
leadership, and technological curiosity to integrate artificial intelligence as a core tool in the
creative team’s processes.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/44db0d24-52eb-4201-9957-94398ccc1051","applyUrl":"https://jobs.lever.co/payjoy/44db0d24-52eb-4201-9957-94398ccc1051/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global Collections","allLocations":["Mexico City, CDMX"]},"createdAt":1780077094088,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
We are looking for a Collections Technical Analyst to drive data accuracy, system integrations, and process automation within our Collections tech stack. This role will be responsible for managing data ingestion into Customer.io, handling agent assignment logic and workflow maintenance, owning and maintaining 15+ performance dashboards, and enabling deeper segment analysis and experimentation. The ideal candidate will also support connectivity with external data sources (EDC), and will be comfortable launching and iterating on collections tools designed to improve portfolio recovery. This position is critical in translating data into actionable insights that drive collections efficiency and recovery outcomes. Our primary tools include Hex, SQL, and Python.
","id":"ee044e0a-a0f2-43bc-807c-391e35dc37b8","lists":[{"text":"Key responsibilities","content":"\n
Data Ingestion & Customer.io Management:
\n\n
\nDesign and maintain reliable data ingestion pipelines that feed customer and account data into Customer.io.
\n\n
\nEnsure data quality and consistency across ingestion flows using SQL and Python.
\n\n
\nMonitor pipeline health and proactively resolve data discrepancies or failures.
\n\n
\nCollaborate with engineering and data teams to expand and improve data sources feeding into collections workflows.
\n\n\n
\n
Agent Assignment & Workflow Maintenance:
\n\n
\nOwn and manage the collections agent assignment logic, ensuring accounts are correctly distributed based on defined rules and performance criteria.
\n\n
\nMaintain and update assignment workflows as team structure, strategies, or segmentation evolves.
\n\n
\nAutomate assignment processes to reduce manual overhead and increase operational efficiency.
\n\n
\nPartner with collections operations to align assignment logic with business priorities and capacity planning.
\n\n\n
\n
Dashboard Ownership & Reporting:
\n\n
\nBuild, maintain, and optimize 15+ collections performance dashboards in Hex using SQL.
\n\n
\nEnsure data accuracy and reliability across all dashboards by implementing validation checks and data quality processes.
\n\n
\nDeliver insights that help collections leadership make informed decisions on recovery strategies, agent performance, and portfolio health.
\n\n
\nRespond to ad hoc reporting requests and iterate on dashboards as business needs evolve.
\n\n\n
\n
Segment Analysis & Experimentation:
\n\n
\nConduct in-depth analysis of customer segments to identify recovery patterns, risk profiles, and opportunities for targeted collections strategies.
\n\n
\nDesign and execute A/B tests and experiments to measure the impact of new collections approaches on recovery rates.
\n\n
\nTranslate analytical findings into clear, actionable recommendations for the collections team.
\n\n
\nSupport the continuous improvement of segmentation models by incorporating behavioral, payment, and risk data.
\n\n\n
\n
EDC Integration & External Data Connectivity:
\n\n
\nEstablish and maintain data connections with EDC and other external data providers relevant to collections operations.
\n\n
\nEnsure external data sources are properly ingested, validated, and available for analysis and modeling.
\n\n
\nWork with cross-functional teams to identify new external data opportunities that can improve collections outcomes.
\n\n
\nDocument integration workflows and data dictionaries to ensure operational continuity.
\n\n\n
\n
Collections Tools & Portfolio Recovery:
\n\n
\nDesign, launch, and iterate on data-driven collections tools (e.g., propensity models, contact prioritization logic, automated treatment triggers) aimed at improving portfolio recovery.
\n\n
\nMonitor tool performance post-launch and make data-backed adjustments to maximize recovery impact.
\n\n
\nIdentify inefficiencies in current collections processes and propose technical solutions to address them.
\n\n
\nStay up to date with industry best practices in collections technology and apply relevant innovations to the team’s toolset.
\n\n\n
\n
Cross-functional Collaboration:
\n\n
\nWork with internal and external areas to ensure data consistency across departments.
\n\n
\nSupport collections agents and team leads with training on dashboards, reports, and automated processes.
\n\n
\nCommunicate technical findings in a business-friendly language for non-technical stakeholders.
\n\n
\nCollaborate with the risk, product, and engineering teams to align collections data initiatives with broader company goals.
\n\n\n
\n
Technical Skills & Tools:
\n\n
\nMandatory: SQL (advanced), Python, Hex (or equivalent data notebook/BI tools), data ingestion and pipeline management.
\n\n
\nExperience with Customer.io or similar CRM/marketing automation platforms used for collections or customer engagement.
\n\n
\nProficiency in data visualization and ability to build and maintain dashboards for operational teams.
\n\n
\nFamiliarity with API integrations and connecting to external data sources.
\n\n
\nExperience designing and running A/B tests or controlled experiments in a data-driven environment.
\n\n\n
\n
Desirable but Not Essential:
\n\n
\nKnowledge of collections, credit risk, or lending operations.
\n\n
\nExperience with EDC or similar external credit data providers.
\n\n
\nFamiliarity with machine learning or statistical modeling for propensity scoring or segmentation.
\n\n
\nExperience working in Fintech, financial services, or similar data-driven industries.
\n\n\n
\n
Specific Knowledge:
\n\n
\nExperience in Collections Operations, Credit Risk, or Business Intelligence roles.
\n\n
\nStrong understanding of portfolio management, delinquency tracking, and recovery strategies.
\n\n
\nAbility to independently scope, build, and deploy analytical tools with minimal supervision.
\n\n\n
\n
Expected Results from This Role:
\n\n
\nReliable and automated data pipelines feeding Customer.io with up-to-date and accurate customer information.
\n\n
\nReduced manual workload through automated assignment logic and streamlined collections workflows.
\n\n
\nImproved decision-making through well-maintained, accurate, and actionable dashboards (15+).
\n\n
\nMeasurable improvement in portfolio recovery rates driven by data-backed tools and experimentation.
\n\n
\nStronger connectivity with external data sources (EDC) enabling richer segment analysis and treatment strategies.
\n\n\n
\n
Soft Skills:
\n\n
\nStrong analytical mindset with the ability to translate data into business decisions.
\n\n
\nExcellent problem-solving skills and the ability to proactively identify and address operational gaps.
\n\n
\nAbility to collaborate effectively with both technical and non-technical teams.
\n\n
\nStrong ownership mentality — comfortable managing multiple workstreams and delivering results independently.
\n\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
\n\n\nLife insurance.
\n\n\nPhone finance, Headphone, home office equipment and wellness perks.
\n\n\n30 days of Christmas bonus
\n\n\n20 days paid Vacation
\n\n\n50% Vacation premium
\n\n\n$2,000 MXN monthly grocery coupons
\n\n\n$2,000 USD annual Co-working Travel perk
\n\n\n$2,000 USD annual Professional Development perk
\n\n\nCatered lunches
\n\n"}],"text":"Business Analyst","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"We are looking for a Collections Technical Analyst to drive data accuracy, system integrations, and process automation within our Collections tech stack. This role will be responsible for managing data ingestion into Customer.io, handling agent assignment logic and workflow maintenance, owning and maintaining 15+ performance dashboards, and enabling deeper segment analysis and experimentation. The ideal candidate will also support connectivity with external data sources (EDC), and will be comfortable launching and iterating on collections tools designed to improve portfolio recovery. This position is critical in translating data into actionable insights that drive collections efficiency and recovery outcomes. Our primary tools include Hex, SQL, and Python.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/ee044e0a-a0f2-43bc-807c-391e35dc37b8","applyUrl":"https://jobs.lever.co/payjoy/ee044e0a-a0f2-43bc-807c-391e35dc37b8/apply"},{"additionalPlain":"Benefits: \n \n100% Company funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium\n13% Saving funds\n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches \n\n\nPayJoy 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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"Benefits:
\n
\n\n- 100% Company funded Health and dental and vision discount plan for employees and immediate family members.
\n- Life insurance.
\n- Phone finance, Headphone, home office equipment and wellness perks.
\n- 30 days of Christmas bonus
\n- 20 days paid Vacation
\n- 50% Vacation premium
\n- 13% Saving funds
\n- $2,000 MXN monthly grocery coupons
\n- $2,000 USD annual Co-working Travel perk
\n- $2,000 USD annual Professional Development perk
\n- Catered lunches
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global Tools and Metrics","allLocations":["Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1777477376900,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Business Analyst Manager is responsible for developing reports on the performance of our operational processes based on data analysis, using BI and SQL tools, to collaborate with stakeholders to identify and define business opportunities, transforming data into actionable insights to guide business decisions.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Business Analyst Manager is responsible for developing reports on the performance of our operational processes based on data analysis, using BI and SQL tools, to collaborate with stakeholders to identify and define business opportunities, transforming data into actionable insights to guide business decisions.
\n
\n\n
\nConduct deep-dive analyses to uncover root causes of operational or strategic challenges, translating complex issues into clear decision-making frameworks to leadership, partnering with cross-functional teams to frame problems and develop actionable solutions
\n\n
\nDefine, refine, and manage key performance indicators aligned with business goals, creating dashboards and reporting tools to monitor progress and surface insights regularly, in order to identify gaps between targets and actuals, flagging risks and opportunities early.
\n\n
\nTranslate strategic priorities into clear initiatives, timelines, and owners, following up rigorously with stakeholders to ensure timely progress and resolution of blockers.
\n\n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Business Analyst Manager is responsible for developing reports on the performance of our operational processes based on data analysis, using BI and SQL tools, to collaborate with stakeholders to identify and define business opportunities, transforming data into actionable insights to guide business decisions.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Sales","allLocations":["Jakarta"]},"createdAt":1778211363695,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Business Development Lead is responsible for ensuring the progressive development of each point of sale and business opportunity to achieve expected productivity, building and nurturing robust relationships with key retail partners and distributors. You will report to the Senior Commercial Manager and will work closely with the Sales team. You will have a huge opportunity to build the local commercial team environment. \n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Business Development Lead is responsible for ensuring the progressive development of each point of sale and business opportunity to achieve expected productivity, building and nurturing robust relationships with key retail partners and distributors. You will report to the Senior Commercial Manager and will work closely with the Sales team. You will have a huge opportunity to build the local commercial team environment.
\n
\n\n
Develop and implement effective strategic plans, forecasts, and goals to achieve targeted revenue growth and market penetration with minimal risk, in coordination with Sales teams and other Internal teams.\nEstablish and strengthen relationships with our commercial partners to drive growth in our distribution network.\nLead, mentor, and develop a high-performing team of Business Development Reps, ensuring they are equipped with the necessary tools, training, and resources to succeed.\nSupport the Sales team in all their business activities to optimize customer satisfaction, thereby enlarging the existing customer base, driving sales through our commercial partners.\nMonitor competitor activities by obtaining information and market trends, opportunities, and challenges, leveraging insights to inform strategic decisions and action plans.\nGenerate sales reports and monitor key indicators that show the progress of the initiatives and provide clarity on the actions that need to be taken to meet the company's goals and objectives, such as campaigns, promotional materials, and generating business.\n\n"},{"text":"Requirements","content":"\n\n
Aligned with PayJoy’s principles and cultures;\nMUST HAVE strong commercial acumen with a proven 4-5 years track record of closing, nurturing, and growing smartphone retailers and mobile network operators in the financing industry;\nProfessional experience leading a sales team and reporting to the executive team with a data-driven approach;\nExceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in English and Indonesian;\nComfortable working on Google Suite (Sheet, Docs, Slides, etc.), CRM (Zoho & Zendesk), communication (Slack), data analytics, and project management tools (Hex and Jira);\nInterested in growing your career as a business development professional;\nMust be detail-oriented and process-oriented, and have experience working with robust SLAs; and\nPrevious technical experience is a plus.\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n\n"}],"text":"Business Development Lead","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Business Development Lead is responsible for ensuring the progressive development of each point of sale and business opportunity to achieve expected productivity, building and nurturing robust relationships with key retail partners and distributors. You will report to the Senior Commercial Manager and will work closely with the Sales team. You will have a huge opportunity to build the local commercial team environment.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Sales","allLocations":["Jakarta"]},"createdAt":1773112680201,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Sales Representative is responsible for increasing the originations (phone finance sales) of new and existing retail, distributor, or network partners in the assigned territory. You will be required to build and maintain strong relationships with all assigned partners and their respective stakeholders through constant fieldwork (store visits) to provide support, training, and implementation of incentive campaigns and targeted marketing, to ensure compliance and exceed sales and productivity objectives.\n \nThis position will report to the Regional Sales Manager and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Sales Representative is responsible for increasing the originations (phone finance sales) of new and existing retail, distributor, or network partners in the assigned territory. You will be required to build and maintain strong relationships with all assigned partners and their respective stakeholders through constant fieldwork (store visits) to provide support, training, and implementation of incentive campaigns and targeted marketing, to ensure compliance and exceed sales and productivity objectives.
\n
\nThis position will report to the Regional Sales Manager and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.
","id":"e9fa76e7-2d01-48ed-8935-1cc96304663b","lists":[{"text":"Responsibilities","content":"\nImplement effective strategic plans, forecasts, and goals to achieve targeted revenue growth and market penetration in the assigned region with minimal risk;\nEstablish and strengthen relationships with our merchant partners to drive growth in our distribution network;\nEnsure that merchants who sold in the prior month are also selling in the current month;\nDevelop the relationship with merchants to keep the account of existing members healthy/stable, responding to requests and solving problems in the conversion to end customers with the PayJoy platform;\nVisit stores to ensure compliance, promote marketing materials, and activate incentive campaigns; and\nMonitor competitor activities by obtaining information and market trends, opportunities, and challenges, leveraging insights to inform strategic decisions and action plans.\n\n
"},{"text":"Requirements","content":"\nAligned with PayJoy’s principles and cultures;\nMUST HAVE strong commercial acumen with a proven 1-2 years track record of closing, nurturing, and growing smartphone retailers, distributors, and mobile network operators in the financing industry;\nMUST HAVE a means of personal transportation - preferably a motorcycle;\nExceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in Indonesian;\nComfortable working on Google Suite (Sheet, Docs, Slides, etc.), CRM (Zoho & Zendesk), and communication (Slack) tools;\nBachelor’s degree or equivalent;\nInterested in growing your career as a sales professional;\nMust be detail-oriented and process-oriented, and have experience working with robust SLAs; and\nPrevious technical experience and fluency in English are a plus.\n\n
"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Business Development Representative","country":"ID","workplaceType":"onsite","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Sales Representative is responsible for increasing the originations (phone finance sales) of new and existing retail, distributor, or network partners in the assigned territory. You will be required to build and maintain strong relationships with all assigned partners and their respective stakeholders through constant fieldwork (store visits) to provide support, training, and implementation of incentive campaigns and targeted marketing, to ensure compliance and exceed sales and productivity objectives.
\n
\nThis position will report to the Regional Sales Manager and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.
","descriptionBodyPlain":"The Sales Representative is responsible for increasing the originations (phone finance sales) of new and existing retail, distributor, or network partners in the assigned territory. You will be required to build and maintain strong relationships with all assigned partners and their respective stakeholders through constant fieldwork (store visits) to provide support, training, and implementation of incentive campaigns and targeted marketing, to ensure compliance and exceed sales and productivity objectives.\n \nThis position will report to the Regional Sales Manager and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.\n","hostedUrl":"https://jobs.lever.co/payjoy/e9fa76e7-2d01-48ed-8935-1cc96304663b","applyUrl":"https://jobs.lever.co/payjoy/e9fa76e7-2d01-48ed-8935-1cc96304663b/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Sales","allLocations":["Mexico City, CDMX"]},"createdAt":1775587480757,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Business Enablement Manager is the engine behind PayJoy Mexico’s partnership growth the hungry gatherer who takes deals from signed to scaled. While our hunters open doors, this role ensures every partnership actually delivers: driving activation, growing same-store originations, deepening wallet share, and turning new accounts into PayJoy’s top-performing channels. You’ll own the post-launch relationship with retail and telecom partners, build the reporting and analytics infrastructure to track deal health, and relentlessly remove friction between partners and internal teams. This is a high-visibility, high-hustle role for someone who gets energy from making numbers move.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Business Enablement Manager is the engine behind PayJoy Mexico’s partnership growth the hungry gatherer who takes deals from signed to scaled. While our hunters open doors, this role ensures every partnership actually delivers: driving activation, growing same-store originations, deepening wallet share, and turning new accounts into PayJoy’s top-performing channels. You’ll own the post-launch relationship with retail and telecom partners, build the reporting and analytics infrastructure to track deal health, and relentlessly remove friction between partners and internal teams. This is a high-visibility, high-hustle role for someone who gets energy from making numbers move.
\n
\n
\n- \n
Own the post-launch growth playbook for active partnerships: track activation rates, same-store sales growth, clerk adoption, and origination velocity—and build action plans when numbers stall.
\n \n- \n
Build and maintain the BD reporting infrastructure: weekly pipeline dashboards, partner scorecards, origination trackers, and deal-stage analytics that give leadership real-time visibility into Mexico’s partnership engine.
\n \n- \n
Be the day-to-day operational point of contact for partners: coordinate store-level rollouts, resolve escalations, manage training schedules, and ensure partners feel supported from pilot through full national deployment.
\n \n- \n
Identify and execute expansion opportunities within existing accounts: new store formats, additional product lines (Credit Line, two-wheeler financing), geographic expansion within the partner’s footprint, and co-marketing initiatives.
\n \n- \n
Run cross-functional coordination for active deals: chase down deliverables from Product, Marketing, Operations, and Credit Risk to keep launch timelines on track and partners happy.
\n \n- \n
Prepare data-driven materials for partner QBRs, internal leadership reviews, and deal retrospectives—surfacing what’s working, what’s not, and concrete next steps to accelerate growth.
\n \n- \n
Support the BD team on active pipeline deals: prepare pitch decks, financial summaries, competitive analyses, and partner-facing proposals that help closers win faster.
\n \n- \n
Monitor competitive landscape and partner satisfaction signals: track what competitors are offering at our target retailers, flag risks early, and propose retention and growth strategies.
\n \n- \n
Report to the Senior Business Development Manager and Head of Revenue Growth Mexico, progressively taking on more partner-facing autonomy as you demonstrate results and earn trust with key accounts.
\n \n\n
\n
\n- \n
3–5 years of experience in Business Development, Account Management, Trade Marketing, or Commercial Operations within retail, telecom, or fintech—with hands-on experience managing partner relationships and driving growth metrics.
\n \n- \n
Bachelor’s degree in Engineering, Business, Finance, Economics, or Industrial Engineering
\n\n- \n
Preference for ITAM, Ibero, Tec, or Unam
\n \n\n\n- \n
Companies to watch for (a plus)
\n\n- \n
Retail / Channel: Coppel, Elektra, Waldo’s, Casa Ley, Soriana, OXXO, Liverpool, First Cash
\n \n- \n
Fintech / Lending: Stori, Nu, Aplazo, Kueski, Creditas, Konfio, Clip
\n \n- \n
Tech / Telecom: Telcel, AT&T Mexico, Samsung, Xiaomi, Uber, Rappi, Mercado Libre
\n \n\n\n- \n
Gatherer DNA: you get fired up by growing existing accounts, not just landing new ones you obsess over same-store growth, activation rates, and turning a good partnership into a great one.
\n \n- \n
Excel-native and data-hungry: comfortable building dashboards, pipeline trackers, and partner scorecards you think in metrics and speak in insights.
\n \n- \n
Strong communication skills in Spanish and English: can hold your own in partner meetings, write crisp status updates, and present to leadership without hand-holding.
\n \n- \n
Operational hustle: you thrive in fast-paced, ambiguous environments and know how to chase down cross-functional deliverables without waiting to be told.
\n \n- \n
Familiarity with Mexico’s retail or telecom landscape is a strong plus; existing relationships at major chains or carriers will accelerate your impact from day one.
\n \n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
"}],"text":"Business Enablement Manager","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Business Enablement Manager is the engine behind PayJoy Mexico’s partnership growth the hungry gatherer who takes deals from signed to scaled. While our hunters open doors, this role ensures every partnership actually delivers: driving activation, growing same-store originations, deepening wallet share, and turning new accounts into PayJoy’s top-performing channels. You’ll own the post-launch relationship with retail and telecom partners, build the reporting and analytics infrastructure to track deal health, and relentlessly remove friction between partners and internal teams. This is a high-visibility, high-hustle role for someone who gets energy from making numbers move.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Merchant Operations","allLocations":["Jakarta"]},"createdAt":1777448686497,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Business Analyst is responsible for supporting multi functions in Indonesia through project management, data extraction and analysis, developing reports on performance measurement objectives and KPIs, using Business Intelligence tools and SQL, identifying improvement opportunities, and generating insights that optimize efficiency, quality, and customer experience. \nThis role is also critical to support and project manage strategic initiatives with regulators, external partners as well as to drive broader Indonesia-wide strategic program\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Business Analyst is responsible for supporting multi functions in Indonesia through project management, data extraction and analysis, developing reports on performance measurement objectives and KPIs, using Business Intelligence tools and SQL, identifying improvement opportunities, and generating insights that optimize efficiency, quality, and customer experience.
\n
This role is also critical to support and project manage strategic initiatives with regulators, external partners as well as to drive broader Indonesia-wide strategic program
\n
\n\n
Lead and project manage initiatives involving regulatory bodies (including OJK and other relevant Indonesian regulators) as well as overall Indonesia strategic initiatives, ensuring timely delivery and cross-functional alignment.\nConduct in-depth market research and competitive analysis to identify trends, opportunities, and threats;\nBuild and analyze business (sales, operations, and services) performance data to present data-driven reports and recommendations that guide the decision-making and actions of the business team, using graphics, visualizations, and other effective means to communicate findings clearly and concisely;\nCollect information to find improvement opportunities, including monitoring the impact of training;\nMake recommendations on how to improve results based on data analysis and a deep understanding of how our business model, product and processes work;\nMeasure and monitor Indonesia OKR (objective key results)\nManage multiple requests and prioritize report generation; and\nDrive all actions/initiatives that will unlock greater business opportunities.\n\n"},{"text":"Requirements","content":"\n\n
Bachelor’s degree in Industrial Engineering, Business Administration, Finance, or Data Analytics\nWilling to work on-site in Jakarta;\nMUST HAVE strong business acumen with a proven 5+ years professional experience - it’s a plus if you are from financial institutions;\nMUST HAVE strong project management with a proven 3+ years track record\nAnalytical thinking and Problem-solving skills to analyze data, identify inefficiencies, and propose data-driven solutions for improvement, and to work with large and complex datasets;\nExceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in English and Indonesian;\nPlus: Advanced knowledge of SQL, Data visualization software (Hex, Power BI, Looker, Tableau), Excel and Google Sheets skills;\nPlus: Basic hands-on programming skills, added advantage to have one or more programming languages such as Java, Python, PHP, or similar;\nMust be detail-oriented, process-oriented, and comfortable working in a fast-paced environment; and\nStartup experience is a plus.\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, headphone, home office equipment and wellness perks.\nUSD$2,000 annual co-working travel benefit\nUSD$2,000 annual professional development benefit\nUSD$500 annual wellness benefit\n\n"}],"text":"Business Operations Analyst","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Business Analyst is responsible for supporting multi functions in Indonesia through project management, data extraction and analysis, developing reports on performance measurement objectives and KPIs, using Business Intelligence tools and SQL, identifying improvement opportunities, and generating insights that optimize efficiency, quality, and customer experience.
\n
This role is also critical to support and project manage strategic initiatives with regulators, external partners as well as to drive broader Indonesia-wide strategic program
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"department":"Finance","location":"New York City, NY","team":"Capital Markets","allLocations":["New York City, NY"]},"createdAt":1776269735775,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nPayJoy is seeking a motivated Capital Markets Manager to join our Capital Markets team. The Capital Markets Manager will assist with equity and debt raises, developing banking and debt investor relationships, building and maintaining financial models and developing strategic analysis, preparing marketing materials, managing rating agency and investor due diligence, as well as contributing to high-impact strategic projects.\nThe ideal candidate must have strong financial analysis experience, be highly motivated, comfortable with ambiguity, capable of taking initiative, and driving results while effectively partnering with various stakeholders across the organization. Experience with consumer finance, structured, and capital markets is strongly preferred.\nRole will be located in New York, and in office at least 3 days a week.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
PayJoy is seeking a motivated Capital Markets Manager to join our Capital Markets team. The Capital Markets Manager will assist with equity and debt raises, developing banking and debt investor relationships, building and maintaining financial models and developing strategic analysis, preparing marketing materials, managing rating agency and investor due diligence, as well as contributing to high-impact strategic projects.
\n
The ideal candidate must have strong financial analysis experience, be highly motivated, comfortable with ambiguity, capable of taking initiative, and driving results while effectively partnering with various stakeholders across the organization. Experience with consumer finance, structured, and capital markets is strongly preferred.
\n
Role will be located in New York, and in office at least 3 days a week.
\n
\n\n
\nBuild analytical models to evaluate product, country and capital structure decisions including cost of capital, advance rates and liquidity planning for review with senior leadership.
\n\n
\nCoordinate with FP&A teams and build and update the company forecast model for investors, gain a deep understanding of the key drivers and conduct analysis as needed
\n\n
\nSupport and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.
\n\n
\nAssist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements, local country financing structures. Support structuring workstreams and coordinate with rating agencies, trustees, legal counsel, and other external deal parties as needed.
\n\n
\nMonitor and manage performance of existing credit facilities, including covenant compliance, borrowing base reporting, and lender communications.
\n\n
\nAssist in acquiring new funding partners, transaction execution, and relationship management
\n\n
\nConduct ongoing market research and competitive analysis on funding trends, spreads, and market conditions relevant to PayJoy's financing strategy.
\n\n
\nPrepare marketing materials and other presentations and reports as required to run the business, including for equity and debt raises. Support investor relations - investor engagement, manage data rooms and periodic updates with risk teams.
\n\n
\nContribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar.
\n\n
\nSimplify and improve processes, drive standardization and automation, and build scalable solutions to facilitate PayJoy’s future growth
\n\n
\nSynthesize and distill key financial and business insights to senior stakeholders and leadership - identify key financial metrics, analyze results, assess risk and communicate risks & opportunities
\n\n\n
\n\n
\nBachelor’s degree in Finance, Accounting, Economics, or related field.
\n\n
\nStrong knowledge of accounting principles, capital markets, and financial planning
\n\n
\n3-5 years experience in capital markets, investment banking, consulting, corporate finance, FP&A or related fields.
\n\n
\nStrong financial modeling; ability to build and maintain complex, dynamic models independently, including investor models, cash flow waterfalls, and scenario/sensitivity analyses.
\n\n
\nExperience with structured finance products (ABS, whole loan sales, forward flow, warehouse facilities, HY bonds) is a plus.
\n\n
\nExposure to rating agency processes and credit structuring is a plus.
\n\n
\nExperience in fintech, banking, or regulated industries is a plus
\n\n
\nKnowledge of consumer lending products and fintech landscape is a plus
\n\n
\nTeam player who is able to collaborate across multiple groups internally, work on a variety of projects simultaneously and across multiple geographies.
\n\n
\nStrong analytical aptitude and keen attention to detail
\n\n
\nExcellent written and verbal communication skills in English, with the ability to communicate complex concepts effectively.
\n\n
\nCreative, passionate about problem solving and solution orientation.
\n\n
\nFluent in Microsoft Office, SQL skills a plus. Python or other scripting/automation experience is a plus.
\n\n
\nSpanish is a plus
\n\n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
PayJoy is seeking a motivated Capital Markets Manager to join our Capital Markets team. The Capital Markets Manager will assist with equity and debt raises, developing banking and debt investor relationships, building and maintaining financial models and developing strategic analysis, preparing marketing materials, managing rating agency and investor due diligence, as well as contributing to high-impact strategic projects.
\n
The ideal candidate must have strong financial analysis experience, be highly motivated, comfortable with ambiguity, capable of taking initiative, and driving results while effectively partnering with various stakeholders across the organization. Experience with consumer finance, structured, and capital markets is strongly preferred.
\n
Role will be located in New York, and in office at least 3 days a week.
\n
Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global Clerk Support","allLocations":["Mexico City, CDMX"]},"createdAt":1780340169883,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n\n\nEl representante de soporte a clientes es responsable de atender a los aliados comerciales para atender y solucionar los problemas que tienen con los clientes finales a fin de retenerlos y hacer crecer el negocio.\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
El representante de soporte a clientes es responsable de atender a los aliados comerciales para atender y solucionar los problemas que tienen con los clientes finales a fin de retenerlos y hacer crecer el negocio.
","id":"583e8b1c-ddef-473e-a2c1-e2d31bd030f0","lists":[{"text":"Responsabilidades","content":"\n\n
\nRealiza interacciones con clientes/ tiendas a través de plataformas omnicanal (Voz - correo electrónico - chat) para resolver consultas y problemas técnicos relacionados con el uso de la aplicación y la plataforma para evaluación de crédito y servicio postventa, proporcionando respuestas claras y rápidas en tiempo real.
\n\n
\nRegistrar, en forma detallada y actualizada, los problemas y soluciones proporcionadas a las tiendas, para tener un historial claro que facilite el seguimiento y la mejora continua del servicio.
\n\n
\nIdentificar y proponer mejoras en los procesos internos y de soporte a la venta y postventa. Implementar cambios para aumentar la eficiencia y calidad de atención.
\n\n
\nMantener una comunicación clara y constante con las tiendas, para asegurar que estén informadas sobre actualizaciones y cambios en los procedimientos.
\n\n
\nSatisfacción de tiendas: Realizar encuestas y recoger feedback de las tiendas sobre el servicio recibido.
\n\n\n
\n\n
\nEstudios técnicos o universitarios incompletos en áreas relacionadas como Administración de Empresas, Comunicaciones o afines.
\n\n
\nConocimiento básico de herramientas de Microsoft Office y google suite.
\n\n
\nExperiencia previa en servicio o atención al cliente, preferiblemente en el sector de ventas o financiero, de al menos 1 año.
\n\n
\nHabilidades de comunicación efectiva, capacidad para trabajar en equipo y manejo de situaciones difíciles bajo presión.
\n\n
\nAgilidad en el teclado, ortografía y redacción.
\n\n
\nDeseable experiencia en software de gestión de relaciones con clientes (CRM) preferentemente Zendesk, en servicios financieros o tecnología.
\n\n\n
Seguro de gastos médicos mayores, plan de descuentos en salud, odontología y oftalmología para el empleado y familiares directos.
\n\n\nSeguro de vida.
\n\n\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.
\n\n\n30 días de aguinaldo
\n\n\n20 días de vacaciones.
\n\n\n50% de prima vacacional.
\n\n\n$2,000 MXN en vales de despensa mensual
\n\n\n$2,000 USD beneficio anual para Co-working travel.
\n\n\n$2,000 USD beneficio anual para desarrollo profesional.
\n\n"}],"text":"Clerk Support Representative","country":"MX","workplaceType":"hybrid","opening":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"El representante de soporte a clientes es responsable de atender a los aliados comerciales para atender y solucionar los problemas que tienen con los clientes finales a fin de retenerlos y hacer crecer el negocio.
","descriptionBodyPlain":"El representante de soporte a clientes es responsable de atender a los aliados comerciales para atender y solucionar los problemas que tienen con los clientes finales a fin de retenerlos y hacer crecer el negocio.\n","hostedUrl":"https://jobs.lever.co/payjoy/583e8b1c-ddef-473e-a2c1-e2d31bd030f0","applyUrl":"https://jobs.lever.co/payjoy/583e8b1c-ddef-473e-a2c1-e2d31bd030f0/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"San Francisco, CA","team":"Core Engineering","allLocations":["San Francisco, CA"]},"createdAt":1764954842835,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nAs the StaffEngineer for Cloud Infrastructure and Developer Productivity, you will lead the development and operations of a robust AWS and Kubernetes-based platform. This platform serves as the backbone for all backend applications at PayJoy, ensuring scalability, resilience, security and cost efficiency. You will play a key role in designing and implementing new features, optimizing workflows, and empowering developers to deliver their best work. In addition to leading the technical aspects, you will be responsible for maintaining the infrastructure for Continuous Integration and Continuous Deployment (CI/CD) and supporting developers with onboarding, troubleshooting, and incident management.\n \nThis role will require close collaboration with cross-functional teams, to understand their evolving needs and ensure the platform adapts accordingly. With a deep emphasis on automation, performance, and reliability, you will help create a streamlined development and deployment environment that maximizes the productivity of all technical teams.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
As the StaffEngineer for Cloud Infrastructure and Developer Productivity, you will lead the development and operations of a robust AWS and Kubernetes-based platform. This platform serves as the backbone for all backend applications at PayJoy, ensuring scalability, resilience, security and cost efficiency. You will play a key role in designing and implementing new features, optimizing workflows, and empowering developers to deliver their best work. In addition to leading the technical aspects, you will be responsible for maintaining the infrastructure for Continuous Integration and Continuous Deployment (CI/CD) and supporting developers with onboarding, troubleshooting, and incident management.
\n
\nThis role will require close collaboration with cross-functional teams, to understand their evolving needs and ensure the platform adapts accordingly. With a deep emphasis on automation, performance, and reliability, you will help create a streamlined development and deployment environment that maximizes the productivity of all technical teams.
","id":"8c000364-5871-4890-9734-5244fe0197b3","lists":[{"text":"Responsibilities","content":"\nBuild and Manage Kubernetes Platform on AWS: Develop, maintain, and scale an AWS and Kubernetes-based infrastructure that supports all backend applications at PayJoy. Design, implement, and optimize cloud and container-based solutions to ensure high availability, resilience, and cost-effectiveness. Conduct code reviews, manage infrastructure as code (IaC), and implement CI/CD pipelines to promote best practices for code quality, reliability, and security.\nDevelop and Enable Code Quality Standards: Design and implement platform features and enhancements to meet application and developer needs, prioritizing code scalability, cost optimization, and automated testing. Write and review code to ensure it meets high standards of quality, robustness, and scalability. Act as a technical mentor, providing guidance to team members on writing efficient, maintainable code, including reviews and paired programming as necessary.\nLead CI/CD and DevOps Practices: Design and maintain CI/CD pipelines, including Docker image creation, Kubernetes deployment artifacts, and environment provisioning. Establish and maintain logging, monitoring, and alerting systems to streamline application development and deployment processes. Collaborate with teams to reduce downtime and improve deployment speed and reliability.\nCross-Team Collaboration and Application Onboarding: Partner with product and engineering teams to understand new backend applications and identify onboarding requirements for our platform. Work closely with cross-functional teams to plan, architect, and implement solutions that fit within the broader platform strategy. Evaluate side-effects of onboarding new applications, address any compatibility issues, and create seamless pathways for new app integration.\nOn-Call Rotation and Incident Management: Participate in the on-call rotation, providing technical leadership in incident response and resolution. Conduct thorough post-mortem analysis of incidents, document findings, and implement process improvements to prevent future issues. Work alongside SREs and other engineers to troubleshoot issues, triage incidents, and perform root-cause analysis to continuously improve platform reliability.\nOptimize Developer Productivity and Resource Utilization: Develop tools, templates, and documentation to make it easier for developers to work on the platform, enhancing productivity. Monitor and analyze platform performance to identify cost-saving opportunities and ensure efficient resource usage. Drive automation initiatives to reduce manual intervention, streamline operations, and free up developer time for core product work.\n"},{"text":"Requirements","content":"\n12+ years of experience in software engineering or DevOps, with a strong background in cloud infrastructure (AWS preferred), Kubernetes, and CI/CD.\nTechnical proficiency in Python, Go, or another backend language, with experience writing production-grade code and implementing scalable solutions.\nHands-on experience with Docker, Kubernetes, and container orchestration; strong familiarity with Helm, Terraform, and other IaC tools.\nProven experience leading or mentoring engineering teams, fostering a collaborative and productive work environment.\nSolid knowledge of modern DevOps practices, including infrastructure as code, monitoring, logging, and security best practices.\nExcellent problem-solving skills, with a proactive approach to incident resolution and performance optimization.\nAbility to communicate technical concepts effectively to non-technical stakeholders, with strong collaboration skills across diverse teams.\n"},{"text":"Preferred skills","content":"\nExperience with DataDog, Prometheus, Grafana, or similar monitoring and logging tools.\nKnowledge of financial technology (fintech) and the specific requirements around security, compliance, and data protection.\nPrior experience in incident management and participating in on-call rotations.\n"},{"text":"Benefits","content":"\n100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\n20 Paid vacation days, Flexible sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nHeadphone benefit, home office equipment allowance and wellness perks\n$340 Company-funded Commuter benefit\nCatered lunches\n"}],"salaryRange":{"min":310392,"max":324000,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"Salary depending on years of experience.
","salaryDescriptionPlain":"Salary depending on years of experience.\n","text":"Cloud Infrastructure Staff Engineer","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"As the StaffEngineer for Cloud Infrastructure and Developer Productivity, you will lead the development and operations of a robust AWS and Kubernetes-based platform. This platform serves as the backbone for all backend applications at PayJoy, ensuring scalability, resilience, security and cost efficiency. You will play a key role in designing and implementing new features, optimizing workflows, and empowering developers to deliver their best work. In addition to leading the technical aspects, you will be responsible for maintaining the infrastructure for Continuous Integration and Continuous Deployment (CI/CD) and supporting developers with onboarding, troubleshooting, and incident management.
\n
\nThis role will require close collaboration with cross-functional teams, to understand their evolving needs and ensure the platform adapts accordingly. With a deep emphasis on automation, performance, and reliability, you will help create a streamlined development and deployment environment that maximizes the productivity of all technical teams.
","descriptionBodyPlain":"As the StaffEngineer for Cloud Infrastructure and Developer Productivity, you will lead the development and operations of a robust AWS and Kubernetes-based platform. This platform serves as the backbone for all backend applications at PayJoy, ensuring scalability, resilience, security and cost efficiency. You will play a key role in designing and implementing new features, optimizing workflows, and empowering developers to deliver their best work. In addition to leading the technical aspects, you will be responsible for maintaining the infrastructure for Continuous Integration and Continuous Deployment (CI/CD) and supporting developers with onboarding, troubleshooting, and incident management.\n \nThis role will require close collaboration with cross-functional teams, to understand their evolving needs and ensure the platform adapts accordingly. With a deep emphasis on automation, performance, and reliability, you will help create a streamlined development and deployment environment that maximizes the productivity of all technical teams.\n","hostedUrl":"https://jobs.lever.co/payjoy/8c000364-5871-4890-9734-5244fe0197b3","applyUrl":"https://jobs.lever.co/payjoy/8c000364-5871-4890-9734-5244fe0197b3/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global Collections","allLocations":["Mexico City, CDMX","Sao Paulo","Bogotá, Bogotá D.C."]},"createdAt":1780504068543,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We are looking for a Collections Analytics & Strategy Manager to define the strategic direction of the Global Collections team and close the loop between decision and outcome. This role requires a strong quantitative foundation — the ideal candidate has hands-on experience with statistical modeling, hypothesis testing, and experimental design, and applies these skills to drive business decisions rather than just produce reports. The role is responsible for setting the collections strategy, designing and running A/B tests, measuring the impact of initiatives, and deciding — based on data — what scales and what stops. It also owns agency ROI monitoring with full segregation from operations, and leads benchmarking across markets. This is the analytical brain of the collections team: a function that did not previously exist and is being created to professionalize how the area grows, optimizes, and deploys resources. Our primary tools include Hex, SQL, and Python.
\n
\n
Strategy & Planning
\n
\n- \n
Define the global collections strategy in partnership with the Senior Manager, setting priorities, recovery targets, and market-level initiatives.
\n \n- \n
Translate business goals into actionable collection strategies for each market (LatAm, ZA, PH).
\n \n- \n
Build and maintain the global collections playbook, ensuring consistency and best practices across regions.
\n \n- \n
Identify expansion opportunities and support new market readiness from a collections strategy standpoint.
\n \n\nA/B Testing & Experimentation
\n\n- \n
Design, launch, and manage A/B tests and controlled experiments across collection channels, messaging, and treatment strategies.
\n \n- \n
Define hypotheses, success metrics, and minimum detectable effects for each experiment.
\n \n- \n
Analyze test results and make data-backed recommendations on whether to roll out, iterate, or discontinue an initiative.
\n \n- \n
Build an experimentation culture across the collections team, documenting learnings and sharing findings broadly.
\n \n\nImpact Measurement & Decision Support
\n\n- \n
Own the end-to-end measurement framework for collections initiatives — from baseline to post-launch impact.
\n \n- \n
Develop and maintain KPIs, recovery rate tracking, and portfolio health indicators across all markets.
\n \n- \n
Deliver regular performance insights to collections leadership with clear, actionable recommendations.
\n \n- \n
Support Senior Manager with analytical input for strategic decisions, headcount planning, and budget discussions.
\n \n\nAgency ROI & Benchmarking
\n\n- \n
Monitor and evaluate the ROI of external collection agencies — fully separated from the operations function to ensure objectivity.
\n \n- \n
Identify underperforming agency contracts and recommend revisions, renegotiations, or terminations based on data.
\n \n- \n
Benchmark collection performance across markets, identifying gaps and best practices to replicate.
\n \n- \n
Build and maintain agency scorecards that combine performance, cost, compliance, and risk metrics.
\n \n\nSegmentation & Analytics
\n\n- \n
Conduct in-depth portfolio segmentation analysis to identify recovery patterns, risk profiles, and treatment opportunities.
\n \n- \n
Support the development of collection score, propensity models and contact prioritization logic in collaboration with the Risk and Data Science teams.
\n \n- \n
Translate complex analytical findings into clear, business-friendly recommendations for operations teams.
\n \n- \n
Partner with risk, product, and data teams to align collections analytics with broader company data strategy.
\n \n\nCross-functional Collaboration
\n\n- \n
Work closely with collections operations and tools teams to ensure strategy is grounded in operational reality.
\n \n- \n
Communicate strategy and results to senior stakeholders in executive-ready formats.
\n \n- \n
Partner with finance, risk, and product to ensure collections strategy aligns with company-wide goals.
\n \n- \n
Collaborate across departments to ensure data consistency and shared understanding of performance
\n \n\n
\n
Technical Skills & Tools
\n
\n- \n
Mandatory: SQL (advanced), Python, Hex (or equivalent BI/notebook tools).
\n \n- \n
Mandatory: solid foundation in statistics and quantitative methods — hypothesis testing, regression analysis, confidence intervals, and experimental design applied to business problems.
\n \n- \n
Mandatory: hands-on experience with A/B testing methodologies, experimentation frameworks, and interpreting statistical significance in a business context.
\n \n- \n
Experience with predictive modeling or propensity scoring techniques (logistic regression, decision trees, or equivalent).
\n \n- \n
Proficiency in translating data and statistical findings into strategic narratives and executive-level recommendations.
\n \n- \n
Familiarity with API integrations and connecting to external data sources.
\n \n\nDesirable but Not Essential
\n\n- \n
Knowledge of collections, credit risk, or lending operations.
\n \n- \n
Experience with agency management, vendor scorecards, or procurement analytics.
\n \n- \n
Familiarity with machine learning or statistical modeling for propensity scoring.
\n \n- \n
Experience in Fintech, financial services, or similarly data-driven industries.
\n \n\nSpecific Knowledge
\n\n- \n
Experience in Data Science, Strategy, Business Intelligence, Analytics, or Collections Operations roles.
\n \n- \n
Strong understanding of portfolio management, delinquency tracking, and recovery strategies.
\n \n- \n
Ability to independently scope, execute, and communicate strategic projects with minimal supervision.
\n \n\nExpected Results from This Role
\n\n- \n
A clearly defined and data-backed global collections strategy, updated quarterly.
\n \n- \n
Faster, better-informed rollout decisions driven by a structured experimentation framework.
\n \n- \n
Measurable improvement in agency ROI through active, objective performance monitoring.
\n \n- \n
Cross-market benchmarking that surfaces best practices and accelerates performance improvement.
\n \n- \n
A collections team that operates with analytical discipline — measuring what matters and acting on evidence.
\n \n\nSoft Skills
\n\n- \n
Strategic thinker with strong analytical foundations — comfortable moving between high-level vision and detailed data.
\n \n- \n
Excellent communication skills — able to present complex findings to both technical and executive audiences.
\n \n- \n
Strong ownership mentality — proactive in identifying problems and proposing solutions without being asked.
\n \n- \n
Collaborative but opinionated — brings a point of view and defends it with data.
\n \n\n
\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus.\n20 days paid Vacation.\n50% Vacation premium.\n13% Saving funds.\n$2,000 MXN monthly grocery coupons.\n$2,000 USD annual Co-working Travel perk.\n$2,000 USD annual Professional Development perk.\n\n"}],"text":"Collections Analytics & Strategy Manager","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We are looking for a Collections Analytics & Strategy Manager to define the strategic direction of the Global Collections team and close the loop between decision and outcome. This role requires a strong quantitative foundation — the ideal candidate has hands-on experience with statistical modeling, hypothesis testing, and experimental design, and applies these skills to drive business decisions rather than just produce reports. The role is responsible for setting the collections strategy, designing and running A/B tests, measuring the impact of initiatives, and deciding — based on data — what scales and what stops. It also owns agency ROI monitoring with full segregation from operations, and leads benchmarking across markets. This is the analytical brain of the collections team: a function that did not previously exist and is being created to professionalize how the area grows, optimizes, and deploys resources. Our primary tools include Hex, SQL, and Python.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Taguig City","team":"Global Collections","allLocations":["Taguig City"]},"createdAt":1779944441470,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe PH Collections Manager is responsible for monitoring, supervising, and maximizing the performance and recovery outcomes of the Philippines Collections Team. This role focuses on recovering delinquent accounts, optimizing collections strategies, and improving operational efficiency across internal teams and external partners.\nThe Collections Manager will review collections strategy performance, design and implement improvements, and monitor key operational metrics such as contactability, promises made, promises kept, and negotiation outcomes. The role will also oversee collections agencies, digital channels, to ensure the best possible recovery performance and return on investment (ROI).\nAdditionally, the PH Collections Manager will work closely with key internal stakeholders including Customer Experience (CX), Risk, Merchant Operations, Fraud, and Finance, and will support initiatives related to credit bureau reporting and default listing processes in the Philippines.\n\n\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The PH Collections Manager is responsible for monitoring, supervising, and maximizing the performance and recovery outcomes of the Philippines Collections Team. This role focuses on recovering delinquent accounts, optimizing collections strategies, and improving operational efficiency across internal teams and external partners.
\nThe Collections Manager will review collections strategy performance, design and implement improvements, and monitor key operational metrics such as contactability, promises made, promises kept, and negotiation outcomes. The role will also oversee collections agencies, digital channels, to ensure the best possible recovery performance and return on investment (ROI).
\nAdditionally, the PH Collections Manager will work closely with key internal stakeholders including Customer Experience (CX), Risk, Merchant Operations, Fraud, and Finance, and will support initiatives related to credit bureau reporting and default listing processes in the Philippines.
\n
","id":"d147b111-2f0f-4d68-8390-9a3139abdd14","lists":[{"text":"Responsibilities","content":"\n
Collections Strategy & Portfolio Performance
\n\n
\nAnalyze current collections processes to identify productivity gaps, operational bottlenecks, and opportunities for improvement.
\n\n
\nMonitor and improve roll-back rates across delinquency segments.
\n\n
\nEvaluate the performance of treatment groups vs. control groups and implement improvements to increase recovery effectiveness month over month.
\n\n
\nPropose adjustments to collections strategies aimed at maximizing recovery performance and operational efficiency.
\n\n
\nPropose and run experiments and pilots to test new collections approaches including scripts, negotiation strategies, and process improvements.
\n\n\n
Portfolio Evolution
\n\n
\nCurrent portfolio performance
\n\n
\nDelinquent portfolio movement
\n\n
\nRoll and Cure Rates
\n\n
\n120+ DPD portfolios in terms of charge off accounts and outstanding balances
\n\n\n
Performance Monitoring
\n\n
\nContactability rates
\n\n
\nPromises made vs. promises kept
\n\n
\nRecovery performance by channel
\n\n
\nPerformance comparison between digital channels, AI solutions and external agencies
\n\n\n
Third-Party Collections Agency Management
\n\n
\nMonitor and manage collections agencies, ensuring compliance with company policies, service quality standards, and performance expectations (ROI).
\n\n
\nConduct goal settings and regular performance reviews with collection partners to identify gaps and implement corrective actions.
\n\n
\nSupport the selection and onboarding of third-party collections agencies when required.
\n\n\n
Collections Operations & Channels
\n\n
\nReview and improve the effectiveness of collections tools, systems, and reporting dashboards.
\n\n
\nMonitor the performance of digital and alternative collections channels including SMS, email, Viber, and other notification tools.
\n\n
\nIdentify opportunities to implement new communication channels such as messaging platforms or automated outreach tools.
\n\n\n
Compliance & Stakeholder Alignment
\n
Collections Governance Alignment
\n\n
\nMaintain regular alignment with Regional and Global Collections leadership to ensure local operations remain consistent with global collections strategies, governance frameworks, and best practices.
\n\n
\nCollaborate closely with the Collections Tools teams to ensure operational needs are reflected in collections platforms, communication channels, and automation tools used by the local operations.
\n\n
\nCoordinate with the Collections Metrics teams to ensure performance monitoring, reporting standards, and dashboard definitions remain aligned with global frameworks and governance guidelines.
\n\n\n
Cross-Functional Stakeholder Alignment
\n\n
\nMaintain regular alignment with Risk and Fraud teams to ensure consistency in collections strategy, KPIs, and portfolio performance analysis.
\n\n
\nSupport implementation of Credit Bureau reporting and default listing processes in the Philippines as part of the broader collections strategy.
\n\n
\nParticipate in cross-functional working groups for new launches in the Philippines market, ensuring collections strategies and processes are in place prior to launch.
\n\n\n
\n\n
\nachelor's degree in Business, Finance, Accounting, Economics, or a related field.
\n\n
\n4+ years of experience related to collections, with front-line collection operation experience.
\n\n
\nFamiliarity with the collections environment in the Southeast Asian market.
\n\n
\nExperience managing third-party collections agencies, including vendor oversight, performance reviews, and contract management.
\n\n
\nKnowledge of dialer systems and outbound contact technologies used in collections operations.
\n\n
\nKnowledge of local collections regulations, consumer protection laws, and compliance requirements in the Philippines.
\n\n
\nKnowledge of collections processes, credit risk management, and payment operations.
\n\n
\nStrong analytical and problem-solving skills.
\n\n
\nExcellent communication and stakeholder management skills.
\n\n
\nAbility to work effectively in a fast-paced and performance-driven environment.
\n\n
\nProficiency in Excel / Google Sheets and data analysis tools.
\n\n
\nStrong structured and data-driven approach to decision-making.
\n\n
\nEnglish Advanced and local language.
\n\n\n
Preferred Qualifications
\n\n
\nExperience with SQL or data querying tools is a plus.
\n\n\n
Team Structure
\n
The PH Collections Manager will oversee:
\n\n
\n1 Collections Supervisor (direct report)
\n\n\n
\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n\n"}],"text":"Collections Operations Manager","country":"PH","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The PH Collections Manager is responsible for monitoring, supervising, and maximizing the performance and recovery outcomes of the Philippines Collections Team. This role focuses on recovering delinquent accounts, optimizing collections strategies, and improving operational efficiency across internal teams and external partners.
\nThe Collections Manager will review collections strategy performance, design and implement improvements, and monitor key operational metrics such as contactability, promises made, promises kept, and negotiation outcomes. The role will also oversee collections agencies, digital channels, to ensure the best possible recovery performance and return on investment (ROI).
\nAdditionally, the PH Collections Manager will work closely with key internal stakeholders including Customer Experience (CX), Risk, Merchant Operations, Fraud, and Finance, and will support initiatives related to credit bureau reporting and default listing processes in the Philippines.
\n
","descriptionBodyPlain":"The PH Collections Manager is responsible for monitoring, supervising, and maximizing the performance and recovery outcomes of the Philippines Collections Team. This role focuses on recovering delinquent accounts, optimizing collections strategies, and improving operational efficiency across internal teams and external partners.\nThe Collections Manager will review collections strategy performance, design and implement improvements, and monitor key operational metrics such as contactability, promises made, promises kept, and negotiation outcomes. The role will also oversee collections agencies, digital channels, to ensure the best possible recovery performance and return on investment (ROI).\nAdditionally, the PH Collections Manager will work closely with key internal stakeholders including Customer Experience (CX), Risk, Merchant Operations, Fraud, and Finance, and will support initiatives related to credit bureau reporting and default listing processes in the Philippines.\n\n\n","hostedUrl":"https://jobs.lever.co/payjoy/d147b111-2f0f-4d68-8390-9a3139abdd14","applyUrl":"https://jobs.lever.co/payjoy/d147b111-2f0f-4d68-8390-9a3139abdd14/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Jakarta","team":"Global Collections","allLocations":["Jakarta"]},"createdAt":1777029865838,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Collections Supervisor plays a critical role in enhancing the effectiveness and efficiency of the company’s debt recovery process. This position leads a team that directly influences the organisation’s financial stability by ensuring the timely collection of outstanding accounts. The supervisor is responsible for maintaining a healthy debtor portfolio, supporting the company’s operational liquidity, and enabling growth.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Collections Supervisor plays a critical role in enhancing the effectiveness and efficiency of the company’s debt recovery process. This position leads a team that directly influences the organisation’s financial stability by ensuring the timely collection of outstanding accounts. The supervisor is responsible for maintaining a healthy debtor portfolio, supporting the company’s operational liquidity, and enabling growth.
","id":"65db3c94-9979-4f62-a08e-e4a68f757f80","lists":[{"text":"Responsibilities","content":"\n\n
Manage Early Delinquency Accounts: Oversee accounts that are 1-30 days past due by utilizing digital communication channels such as the PayJoy app and SMS to prevent further delinquency and efficiently recover outstanding amounts.\nCoordinate with External Collection Agencies: Work closely with external debt collection agencies responsible for accounts overdue by more than 31 days. This includes developing effective portfolio allocation strategies, maintaining consistent communication, and ensuring alignment with South African credit and collections regulations to optimise the recovery of aged and delinquent accounts.\nMeasure and Analyze Agency Performance: Monitor and evaluate the performance of external collection agencies by tracking weekly recovery rates and cost-effectiveness to optimize collection strategies.\nMonthly Performance Comparison: Measure and compare month-over-month recovery results between control and treatment groups using data analysis tools to identify trends, evaluate strategy effectiveness, and implement improvements.\nReport to Credit Bureau: Report client accounts to the credit bureau on a monthly basis by compiling and submitting accurate and timely reports to ensure compliance with credit reporting standards.\nGenerate Analytical Reports: Create detailed analytical reports to evaluate the effectiveness of collection strategies by using data analysis and reporting tools to provide insights for decision-making and strategy adjustments.\nConduct Recovery Experiments: Design and implement experiments aimed at improving recovery rates by developing hypotheses, testing strategies, and analyzing results to innovate and enhance the efficiency of the collections process.\nOperational Support for Payment Processors: Assist with payment processor operations and resolve any issues by providing follow-up and support to ensure smooth transaction processing and address operational challenges promptly.\n\n"},{"text":"Requirements","content":"\n\n
Bachelor's degree in Business Administration, Finance, or a related field.\nMinimum of 2-4 years of experience in collections management, team leadership and customer services.\nProficiency in using collection management softwares and tools, as well as Google or MS Office Suite (Excel, Word, PowerPoint). \nKnowledge of credit reporting procedures and compliance standards.\nStrong analytical skills with experience in performance measurement and strategy evaluation.\nExcellent organizational and problem-solving abilities, along with the capability to collaborate seamlessly with both internal teams and external agencies.\nKnowledge of how to give proper feedback and coaching. Work in team and under pressure\nAbility to demonstrate empathy and a supportive attitude when communicating with our clients, as well as a strong ability to communicate assertively, either orally and in writing.\n\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n$ 500 USD Wellness Allowance\nFree lunch\n"}],"text":"Collections Supervisor","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Collections Supervisor plays a critical role in enhancing the effectiveness and efficiency of the company’s debt recovery process. This position leads a team that directly influences the organisation’s financial stability by ensuring the timely collection of outstanding accounts. The supervisor is responsible for maintaining a healthy debtor portfolio, supporting the company’s operational liquidity, and enabling growth.
","descriptionBodyPlain":"The Collections Supervisor plays a critical role in enhancing the effectiveness and efficiency of the company’s debt recovery process. This position leads a team that directly influences the organisation’s financial stability by ensuring the timely collection of outstanding accounts. The supervisor is responsible for maintaining a healthy debtor portfolio, supporting the company’s operational liquidity, and enabling growth.\n","hostedUrl":"https://jobs.lever.co/payjoy/65db3c94-9979-4f62-a08e-e4a68f757f80","applyUrl":"https://jobs.lever.co/payjoy/65db3c94-9979-4f62-a08e-e4a68f757f80/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global Collections","allLocations":["Mexico City, CDMX"]},"createdAt":1780508109612,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nWe are looking for a Collections Tools Analyst to own the implementation, configuration, and operational management of the collections tech stack. This role is the hands-on executor of the tools strategy — responsible for ensuring that the right tools are live, correctly configured, and performing as intended. The ideal candidate will manage Customer.io implementation and maintenance, own workflow automation, support agent assignment logic, and pilot new tools before broader rollout. This position is critical in bridging strategy and operations: translating collection strategies into working tool configurations that drive recovery outcomes. Our primary tools include Customer.io, SQL, and Python.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We are looking for a Collections Tools Analyst to own the implementation, configuration, and operational management of the collections tech stack. This role is the hands-on executor of the tools strategy — responsible for ensuring that the right tools are live, correctly configured, and performing as intended. The ideal candidate will manage Customer.io implementation and maintenance, own workflow automation, support agent assignment logic, and pilot new tools before broader rollout. This position is critical in bridging strategy and operations: translating collection strategies into working tool configurations that drive recovery outcomes. Our primary tools include Customer.io, SQL, and Python.
\n
\n
Customer.io Implementation & Management
\n\n
\nOwn the day-to-day implementation, configuration, and maintenance of Customer.io for collections use cases.
\n\n
\nBuild, update, and monitor collection workflows, messaging sequences, and treatment triggers in Customer.io.
\n\n
\nEnsure data ingestion pipelines feeding Customer.io are reliable, accurate, and up to date — in collaboration with the Data Analyst.
\n\n
\nMonitor tool performance and proactively resolve configuration issues, data discrepancies, or workflow failures.
\n\n\n
Workflow Automation & Tooling
\n\n
\nDesign and implement automation workflows that reduce manual overhead for collections operations.
\n\n
\nBuild and maintain automated treatment triggers, escalation logic, and contact sequencing rules.
\n\n
\nIdentify manual processes in the collections workflow that can be automated and propose technical solutions.
\n\n\n
\n\n
\nDocument all workflows, configurations, and automation logic to ensure operational continuity.
\n\n\n
Agent Assignment Logic
\n\n
\nOwn and manage the collections agent assignment logic, ensuring accounts are correctly distributed based on defined rules and performance criteria.
\n\n
\nMaintain and update assignment workflows as team structure, strategies, or segmentation changes.
\n\n
\nAutomate assignment processes to reduce manual overhead and increase operational efficiency.
\n\n
\nPartner with collections operations to align assignment logic with business priorities and capacity planning.
\n\n\n
Tool Piloting & Rollout
\n\n
\nPilot new collections tools — from initial configuration through testing and validation — before broader operational rollout.
\n\n
\nWork closely with the Analytics & Strategy function to align tool selection and configuration with strategic priorities.
\n\n
\nManage and optimize outbound contact tools including dialers, blasters, and AVM (Automated Voice Messaging) solutions to maximize contact rates and recovery outcomes.
\n\n
\nEvaluate and pilot AI-powered collections solutions (e.g., conversational AI, intelligent contact prioritization, predictive engagement tools) in collaboration with the strategy team.
\n\n
\nMonitor tool performance post-launch and make data-backed adjustments to maximize recovery impact.
\n\n
\nStay up to date with industry tools and best practices in collections technology, proposing relevant innovations.
\n\n\n
Data Ingestion & Pipeline Support
\n\n
\nDesign and maintain reliable data ingestion pipelines that feed customer and account data into Customer.io.
\n\n
\nEnsure data quality and consistency across ingestion flows using SQL and Python.
\n\n
\nMonitor pipeline health and proactively resolve data discrepancies or failures.
\n\n
\nCollaborate with engineering and data teams to expand and improve data sources feeding into collections workflows.
\n\n\n
EDC Integration & External Data Connectivity
\n\n
\nEstablish and maintain data connections with EDC and other external data providers relevant to collections operations.
\n\n
\nEnsure external data sources are properly ingested, validated, and available for tools configuration and analysis.
\n\n
\nWork with cross-functional teams to identify new external data opportunities that can improve collections tools.
\n\n
\nDocument integration workflows and data dictionaries to ensure operational continuity.
\n\n\n
\n
Cross-functional Collaboration
\n\n
\nWork closely with collections operations teams to ensure tools serve operational needs across all markets.
\n\n
\nCollaborate with the Analytics & Strategy function to ensure tool configuration reflects the current strategy.
\n\n
\nSupport collections agents and team leads with training on tools, workflows, and automated processes.
\n\n
\nCommunicate tool updates and changes in a clear, accessible way for non-technical stakeholders.
\n\n\n
\n
\n
\n
Technical Skills & Tools
\n\n
\nMandatory: Customer.io (or equivalent CRM/marketing automation platform), SQL, Python, workflow automation tools.
\n\n
\nExperience managing data ingestion pipelines and ensuring data quality across integrations.
\n\n
\nFamiliarity with API integrations and connecting to external data sources.
\n\n
\nComfortable piloting and configuring new tools with minimal supervision.
\n\n
\nExperience designing and running A/B tests or controlled experiments in a data-driven environment.
\n\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
"}],"text":"Collections Tools Analyst","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We are looking for a Collections Tools Analyst to own the implementation, configuration, and operational management of the collections tech stack. This role is the hands-on executor of the tools strategy — responsible for ensuring that the right tools are live, correctly configured, and performing as intended. The ideal candidate will manage Customer.io implementation and maintenance, own workflow automation, support agent assignment logic, and pilot new tools before broader rollout. This position is critical in bridging strategy and operations: translating collection strategies into working tool configurations that drive recovery outcomes. Our primary tools include Customer.io, SQL, and Python.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Bogotá, Bogotá D.C.","team":"Merchant Operations","allLocations":["Bogotá, Bogotá D.C."]},"createdAt":1778276001591,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Commercial Ops Lead – Credit Line is responsible for ensuring the successful rollout and scaling of Credit Line across sales channels, maintaining tight execution control, driving operational performance, and enabling cross-functional alignment to guarantee high adoption at scale.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Commercial Ops Lead – Credit Line is responsible for ensuring the successful rollout and scaling of Credit Line across sales channels, maintaining tight execution control, driving operational performance, and enabling cross-functional alignment to guarantee high adoption at scale.
\n
\n\n
\nOwn the end-to-end execution tracking of the Credit Line rollout, ensuring visibility of progress by region, channel and partner.
\n\n
\nMonitor the performance of the Credit Line funnel (offer → activation → first use), identifying drop-offs and driving corrective actions.
\n\n
\nCoordinate with Sales, Operations and Logistics to ensure availability of tools, materials and conditions required for rollout success (e.g. cards, training readiness, systems).
\n\n
\nTrack and validate the correct execution of campaigns and commercial offers in the field, ensuring alignment with rollout phases.
\n\n
\nManage the incentive tracking and liquidation process, ensuring it drives the right behaviors during rollout.
\n\n
\nIdentify, prioritize and escalate critical operational issues affecting adoption or execution, ensuring fast resolution.
\n\n
\nAct as a central coordination point across Sales, Marketing, Operations, Partners and Allies, ensuring alignment and speed in execution.
\n\n
\nSupport and validate the readiness of the sales force, ensuring training translates into correct execution at point of sale.
\n\n
\nBuild and maintain operational dashboards and reports to track rollout progress and performance, enhancing data-driven results.
\n\n\n
\n\n
\nHealth and life insurance for the employee and immediate family members.
\n\n
\nPermanent contract (Indefinite term).
\n\n
\n20 days of vacation.
\n\n
\n$2,000 USD annual benefit for co-working travel.
\n\n
\n$2,000 USD annual benefit for professional development.
\n\n
\nFunding for phone, headphones, home office equipment, and wellness benefits.
\n\n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Commercial Ops Lead – Credit Line is responsible for ensuring the successful rollout and scaling of Credit Line across sales channels, maintaining tight execution control, driving operational performance, and enabling cross-functional alignment to guarantee high adoption at scale.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Counsel","location":"Bogotá, Bogotá D.C.","team":"Legal","allLocations":["Bogotá, Bogotá D.C."]},"createdAt":1779132803261,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Counsel will be responsible for leading the country's legal affairs, ensuring regulatory compliance and mitigating risks in complex operations. This role requires independently and rigorously reviewing, drafting, and negotiating contracts, as well as leading and supporting internal and external audit processes.
\n
","id":"5a58bb2f-ff83-455c-94c8-6fe2e5453d28","lists":[{"text":"Repsonsibilities","content":"\n\n
Lead country legal affairs, ensuring strict regulatory compliance and risk mitigation across complex business operations.\nReview, draft, and negotiate complex contracts (commercial, technology, vendor, and strategic alliances), ensuring legal precision and alignment with business objectives.\nAdvise business, product, and engineering teams, actively participating in meetings to translate commercial needs into clear and viable legal solutions.\nLead and execute internal and external legal audit processes, identifying risks, proposing mitigation plans, and ensuring regulatory compliance.\nDraft and review legal documentation in English (and Spanish when applicable), including contracts, internal policies, regulatory reports, and formal communications.\nAnalyze complex business models, particularly within tech and fintech environments, providing strategic legal guidance for new initiatives and product launches.\nManage regulatory processes and, when necessary, support the acquisition and maintenance of licenses, interacting with authorities and relevant stakeholders.\nAutonomously manage multiple high-priority projects in a fast-paced environment.\n\n"},{"text":"Qualifications","content":"\n\n
Strong experience in corporate, contractual, and regulatory law, with a focus on international companies.\nProven track record in the tech and/or fintech industries, including an understanding of licensing processes and regulatory compliance.\nSolid knowledge of legal audits, internal controls, and risk management.\nAbility to understand and advise on complex business models, including digital products and cross-border operations.\nExperience interacting with regulatory authorities and external stakeholders.\nAnalytical thinking and sound legal judgment for complex decision-making.\nHigh level of autonomy, proactivity, and prioritization skills in dynamic environments.\nExcellent verbal and written communication, with fluent/bilingual proficiency in English.\nAbility to influence and collaborate with multidisciplinary teams (business, product, engineering).\nCapability to manage multiple projects simultaneously under high-demand standards.\nPrior experience in top-tier law firms or multinational corporations.\nKnowledge of CLM tools (e.g., Ironclad), RegTech, or legal automation solutions.\nExperience in licensing processes for fintechs or other highly regulated industries.\nFamiliarity with the use of artificial intelligence applied to the legal field.\n\n"},{"text":"Benefits","content":"\n\n
100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n\n"}],"text":"Counsel","country":"CO","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Counsel will be responsible for leading the country's legal affairs, ensuring regulatory compliance and mitigating risks in complex operations. This role requires independently and rigorously reviewing, drafting, and negotiating contracts, as well as leading and supporting internal and external audit processes.
\n
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/5a58bb2f-ff83-455c-94c8-6fe2e5453d28","applyUrl":"https://jobs.lever.co/payjoy/5a58bb2f-ff83-455c-94c8-6fe2e5453d28/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"department":"Go To Market","location":"Bangalore","team":"Sales","allLocations":["Bangalore"]},"createdAt":1729716848142,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","id":"d5956f61-ff71-46dd-b378-0d572b4b553f","lists":[{"text":"Responsibilities","content":"\nOwn PayJoy India's full P&L, setting and delivering ambitious targets across originations, AUM, revenue, and profitability.\nDevelop and execute the India go-to-market strategy, spanning geographic rollout sequencing, offline B2B2C retail distribution, and online/D2C channel development.\nBuild the India organization from the ground up: recruiting, developing, and retaining a high-performing team across commercial, operations, risk, and support functions.\nManage the RBI relationship: ensure ongoing regulatory compliance, navigate evolving policy, and proactively engage regulators to protect and grow PayJoy's operating space.\nWin and deepen OEM partnerships: secure device compatibility agreements and commercial programs with manufacturers in close coordination with PayJoy's global OEM team.\nDrive cross-functional execution with product, engineering, risk, and people teams globally, delivering the India roadmap with speed.\nDefine and model PayJoy India's culture, consistent with the company's mission and principles.\n"},{"text":"Requirements","content":"\n10+ years of experience in financial services in India, with demonstrated success building or scaling a business.\nExperience running or senior responsibility within a regulated financial services business in India - familiarity with RBI oversight, compliance obligations, and the regulatory dynamics of consumer lending is non-negotiable.\nTrack record of building and leading large teams, including hiring senior leaders and scaling an organization from an early stage.\nExperience working in or closely with a global company, with the cross-cultural fluency to operate effectively between a global HQ and a local India team.\nWillingness to be deeply hands-on - able to dig into unit economics, visit field operations, and engage retail and online partners directly - while also owning and communicating high-level strategy.\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, headphone, home office equipment and wellness perks.\nUSD$2,000 annual co-working travel benefit\nUSD$2,000 annual professional development benefit\nUSD$500 annual wellness benefit\n\n"}],"text":"Country Manager, India","country":"IN","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/d5956f61-ff71-46dd-b378-0d572b4b553f","applyUrl":"https://jobs.lever.co/payjoy/d5956f61-ff71-46dd-b378-0d572b4b553f/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Financial Products","location":"Jakarta","team":"Risk Strategy","allLocations":["Jakarta"]},"createdAt":1775577768034,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nWe are looking for a strategic credit risk leader to build and own the credit risk function for PayJoy Indonesia. This is a founding leadership role: you will define the credit risk agenda from the ground up, determine the problems the function needs to solve, and be personally accountable for portfolio outcomes at the country level. PayJoy is a large global FinTech and we are excited to begin scaling our operations in Indonesia. Our mission of finance for the next billion has worked in 8 markets globally and we believe our mission and model are an exceptional fit for the Indonesian market.\nYou will start by doing — writing the policies, running the analysis, owning the regulatory relationships. After achieving economic scale you will grow the team. The ideal candidate has the technical depth to work in the data directly and the strategic instincts to set direction for an entire market. This is not a role where someone hands you a playbook. You write it.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We are looking for a strategic credit risk leader to build and own the credit risk function for PayJoy Indonesia. This is a founding leadership role: you will define the credit risk agenda from the ground up, determine the problems the function needs to solve, and be personally accountable for portfolio outcomes at the country level. PayJoy is a large global FinTech and we are excited to begin scaling our operations in Indonesia. Our mission of finance for the next billion has worked in 8 markets globally and we believe our mission and model are an exceptional fit for the Indonesian market.
\n
You will start by doing — writing the policies, running the analysis, owning the regulatory relationships. After achieving economic scale you will grow the team. The ideal candidate has the technical depth to work in the data directly and the strategic instincts to set direction for an entire market. This is not a role where someone hands you a playbook. You write it.
\n
\n\n
Define the credit risk agenda for Indonesia — identify the highest-priority problems the function needs to solve, determine how to approach them, and be accountable for outcomes at the country level\nLead PayJoy’s risk strategy function in Indonesia with domain expertise and a quantitative approach to risk strategy. If you don’t love driving the quantitative aspects of risk strategy this is not the job for you.\nBuild the end-to-end credit risk framework from the ground up: underwriting policy, credit limit strategy, scorecard operationalization, and collections risk approach\nApply, evaluate, and refine predictive credit models, working closely with data science to translate model outputs into credit policy and decisioning rules\nSet the direction for portfolio monitoring and loss mitigation — define what to measure, how to interpret it, and what actions to take\nOwn the regulatory relationship with OJK directly; be the accountable leader for all credit risk compliance obligations under the Indonesian multi-finance company (MFC) framework\nBring country leadership, product, and global stakeholders along on the credit risk strategy journey — setting the agenda and tailoring our financial offer for overall financial success in Indonesia\nLeverage modern AI-powered developer tools (such as Claude Code) to streamline and automate recurring analytical processes, improving the speed and reliability of credit risk workflows\nRecruit, build, and develop a credit risk team as the Indonesia business scales — defining the structure, hiring bar, and operating model for the function you’ve created\n\n"},{"text":"Requirements","content":"\n\n
10+ years of credit risk experience, with a track record of defining strategy and owning outcomes — not just executing within someone else’s framework\nDeep understanding of the Indonesian lending landscape; experience with multi-finance companies (MFC) or consumer finance regulated by OJK strongly preferred\nHaving passed OJK’s Fit and Proper Test (FPT) is preferred; candidates who have not yet completed it should be prepared to do so as part of onboarding into a licensed MFC leadership role\nDemonstrated ability to build a credit risk function or framework from scratch in a market, not just manage within an established one\nProven ability to apply and operationalize credit models — translating analytical outputs into underwriting policy and decisioning rules\nStrong hands-on technical skills in SQL and Python — you can go deep in the data yourself and hold your team to the same standard\nExperience with AI/ML applications in credit risk (e.g., gradient boosting models, alternative data, real-time scoring)\nComfortable leveraging modern AI tools to improve analytical efficiency and automate recurring workflows\nHighly effective at influencing without authority — you set direction for stakeholders who don’t report to you and bring them along through rigor and credibility\nComfortable operating in ambiguity and making high-stakes decisions with incomplete information\nWillingness to be based in Jakarta; candidates from outside Indonesia are welcome to apply and relocation support will be provided\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n\n"}],"text":"Credit Risk Director","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We are looking for a strategic credit risk leader to build and own the credit risk function for PayJoy Indonesia. This is a founding leadership role: you will define the credit risk agenda from the ground up, determine the problems the function needs to solve, and be personally accountable for portfolio outcomes at the country level. PayJoy is a large global FinTech and we are excited to begin scaling our operations in Indonesia. Our mission of finance for the next billion has worked in 8 markets globally and we believe our mission and model are an exceptional fit for the Indonesian market.
\n
You will start by doing — writing the policies, running the analysis, owning the regulatory relationships. After achieving economic scale you will grow the team. The ideal candidate has the technical depth to work in the data directly and the strategic instincts to set direction for an entire market. This is not a role where someone hands you a playbook. You write it.
\n
Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global General Support","allLocations":["Mexico City, CDMX"]},"createdAt":1780427722606,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
El representante de atención al cliente es responsable de manejar las interacciones entrantes y salientes (llamadas telefónicas, solicitudes por correo electrónico, chats de WhatsApp) con nuestros clientes finales cuando tienen preguntas o inquietudes, utilizando un enfoque amable y útil.
","id":"4e950971-6950-4a4b-8143-1660f1263924","lists":[{"text":"Responsabilidades","content":"\n\n
Gestionar un gran volumen de llamadas entrantes y salientes, correos electrónicos, redes sociales y chats con conocimiento y eficiencia Identificar y abordar las necesidades de los clientes, con el objetivo de lograr una satisfacción total.\nBrindar asistencia a los clientes que enfrentan dificultades técnicas relacionadas con productos o servicios. Solucionan problemas, guían a los clientes a través de resoluciones paso a paso o escalan problemas complejos a equipos especializados si es necesario.\nIdentificar oportunidades para recomendar productos o servicios adicionales que se alineen con las necesidades y preferencias de los clientes, participando en técnicas de venta sugerentes para aumentar los ingresos por ventas y mejorar la experiencia del cliente.\nTomar las medidas adecuadas para resolver las insatisfacciones o quejas de los clientes de manera profesional y empática; documentar e investigar los problemas con el objetivo de mantener la satisfacción y la lealtad del cliente.\nBrindar información al equipo de gestión para la mejora continua de productos, servicios y procesos, analizando los comentarios de los clientes de las encuestas posteriores a la interacción para medir los niveles de satisfacción del cliente y la recopilación de comentarios del cliente.\nAsegurarse de que toda la información esté documentada adecuadamente para futuras referencias o análisis, registrando las interacciones con los clientes, incluidos los detalles relevantes, en la base de datos del centro de contacto o en el sistema de gestión de relaciones con los clientes (CRM). Mantener un alto nivel de calidad de servicio y profesionalismo durante cada interacción con el cliente, cumpliendo con las políticas, procedimientos y regulaciones legales de la empresa al manejar las interacciones con los clientes.\nDesarrollar continuamente sus habilidades para brindar una mejor experiencia al cliente, participar en sesiones de capacitación y mantenerse actualizado sobre el conocimiento de los productos, el servicio y las tendencias de la industria.\n\n"},{"text":"Requerimientos","content":"\n\n
Estudios Técnicos completos o parcialmente universitarios en áreas afines como Administración de Empresas, Comunicaciones o similares.\nConocimientos intermedios de herramientas de Microsoft Office y Google Suite.\nExperiencia previa en atención o soporte al cliente, preferiblemente en el sector comercial o financiero, de al menos 1 año.\nHabilidades de comunicación efectiva, capacidad para trabajar en equipo y manejar situaciones difíciles bajo presión.\nAgilidad en mecanografía, ortografía y redacción.\nEs deseable experiencia en software de gestión de relaciones con clientes (CRM), en servicios financieros o tecnología.\n\n"},{"text":"Beneficios","content":"\n\n
Seguro médico 100% financiado por la empresa para empleados y familiares directos\nSeguro de vida\nPlan dental\nFinanciamiento de teléfono, auriculares, equipo de oficina en casa y beneficios de bienestar físico\n20 días de vacaciones\n30 días de aguinaldo\nprima vacacional del 50%\n2,000 MXN mensuales de vales de despensa\n$2,000 USD anuales para beneficio de viaje en espacios de coworking\n$2,000 USD anuales para desarrollo profesional\n\n"}],"text":"Customer Support Representative","country":"MX","workplaceType":"hybrid","opening":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"El representante de atención al cliente es responsable de manejar las interacciones entrantes y salientes (llamadas telefónicas, solicitudes por correo electrónico, chats de WhatsApp) con nuestros clientes finales cuando tienen preguntas o inquietudes, utilizando un enfoque amable y útil.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/4e950971-6950-4a4b-8143-1660f1263924","applyUrl":"https://jobs.lever.co/payjoy/4e950971-6950-4a4b-8143-1660f1263924/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Sao Paulo","team":"Marketing","allLocations":["Sao Paulo","Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1778175873496,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Digital D2C Analytics and Insights Manager leads performance analytics for the Digital D2C channel across all PayJoy markets, including identification of opportunities, trend diagnostics, and customer insights. The role is responsible for designing and executing strategic initiatives, turning analysis into concrete actions, and communicating channel performance to senior audiences within PayJoy. Working closely with Finance, Risk, and other teams, this person helps manage the channel's impact on company-wide financial goals and ensures operations scale while staying focused on impact and results. The ideal candidate can move fluidly from a SQL query to a leadership presentation — someone comfortable digging into data, finding key insights, and shaping the narrative around it.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Digital D2C Analytics and Insights Manager leads performance analytics for the Digital D2C channel across all PayJoy markets, including identification of opportunities, trend diagnostics, and customer insights. The role is responsible for designing and executing strategic initiatives, turning analysis into concrete actions, and communicating channel performance to senior audiences within PayJoy. Working closely with Finance, Risk, and other teams, this person helps manage the channel's impact on company-wide financial goals and ensures operations scale while staying focused on impact and results. The ideal candidate can move fluidly from a SQL query to a leadership presentation — someone comfortable digging into data, finding key insights, and shaping the narrative around it.
","id":"36d73416-6965-42dc-97e6-023ec8e89316","lists":[{"text":"Key responsibilities","content":"\n\n
\nContribute to the design and execution of strategic initiatives, ensuring clear alignment with business goals and measurable progress over time.
\n\n
\nCombine quantitative and qualitative analysis to identify opportunities for growth, support business case development (including for cross-functional stakeholders), and prioritize initiatives to grow the D2C channel globally.
\n\n
\nDesign and maintain dashboards and reports to support deeper analysis, standardize reporting processes, and ensure data accuracy.
\n\n
\nMonitor and report on key KPIs, highlighting performance trends, execution gaps, and actionable insights to guide decisions.
\n\n
\nWork with Finance and Risk teams to create financial projections used to measure and actively manage the performance of the channel and determine budget allocations.
\n\n
\nConduct strategic research, competitive benchmarking, and uncover customer insights (including surveys, analysis of digital behavioral data, etc.) to inform decision-making and uncover growth opportunities.
\n\n
\nAssist in the preparation of materials for internal business reviews, planning cycles, and leadership updates.
\n\n\n
\n\n
\nPast experience in strategy, consulting, growth, or business ops roles.
\n\n
\nAnalytical skills with a data-driven approach - is able to quantitatively diagnose root causes and use data to formulate recommendations. Strong Excel/Google sheets skills are a must. SQL skills are strongly preferred. Familiarity with BI tools (e.g., Tableau, Power BI, Hex) is a plus.
\n\n
\nBasic to intermediate financial modeling skills preferred.
\n\n
\nHighly organized - can manage multiple workstreams with a variety of stakeholders simultaneously.
\n\n
\nStrong oral and written communication skills (skill in PowerPoint is required)
\n\n
\nDemonstrated ability to work cross-functionally and drive alignment across teams.
\n\n
\nSelf-driven and results-driven, willing to work in a dynamic, high-change environment.
\n\n\n
\n\n
Local benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n\n"}],"text":"D2C Analytics and Insights Manager","country":"BR","workplaceType":"remote","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Digital D2C Analytics and Insights Manager leads performance analytics for the Digital D2C channel across all PayJoy markets, including identification of opportunities, trend diagnostics, and customer insights. The role is responsible for designing and executing strategic initiatives, turning analysis into concrete actions, and communicating channel performance to senior audiences within PayJoy. Working closely with Finance, Risk, and other teams, this person helps manage the channel's impact on company-wide financial goals and ensures operations scale while staying focused on impact and results. The ideal candidate can move fluidly from a SQL query to a leadership presentation — someone comfortable digging into data, finding key insights, and shaping the narrative around it.
","descriptionBodyPlain":"The Digital D2C Analytics and Insights Manager leads performance analytics for the Digital D2C channel across all PayJoy markets, including identification of opportunities, trend diagnostics, and customer insights. The role is responsible for designing and executing strategic initiatives, turning analysis into concrete actions, and communicating channel performance to senior audiences within PayJoy. Working closely with Finance, Risk, and other teams, this person helps manage the channel's impact on company-wide financial goals and ensures operations scale while staying focused on impact and results. The ideal candidate can move fluidly from a SQL query to a leadership presentation — someone comfortable digging into data, finding key insights, and shaping the narrative around it.\n","hostedUrl":"https://jobs.lever.co/payjoy/36d73416-6965-42dc-97e6-023ec8e89316","applyUrl":"https://jobs.lever.co/payjoy/36d73416-6965-42dc-97e6-023ec8e89316/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Sao Paulo","team":"Marketing","allLocations":["Sao Paulo","Bogotá, Bogotá D.C.","Mexico City, CDMX"]},"createdAt":1771874624321,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThis role plays a key part in the creation, monitoring, and maintenance of our performance marketing capability. The Marketing Data Analyst will be responsible for ensuring accurate adoption, execution and reporting of the strategy across marketing funnels, platforms, and countries of operation, ensuring that we analyse, optimize and make data-driven decisions.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
This role plays a key part in the creation, monitoring, and maintenance of our performance marketing capability. The Marketing Data Analyst will be responsible for ensuring accurate adoption, execution and reporting of the strategy across marketing funnels, platforms, and countries of operation, ensuring that we analyse, optimize and make data-driven decisions.
","id":"9d5bcc3a-24de-4014-a1cc-c090b986c2da","lists":[{"text":"Responsibilities","content":"\nDeliver weekly, monthly and adhoc analysis of performance, reviewing campaigns, funnels and platforms across channels, products and countries of operations\nPropose and execute new deep dive analyses to provide optimizations across multiple marketing platforms, with a focus on Meta, Google, and TikTok, across all PayJoy markets.\nConduct regular audits of our attribution model to identify and resolve data quality issues, ensuring proper data flow from source systems through to reporting tools. \nWork with our data and tech teams to identify opportunities to refine the current model to better capture sources of traffic and sales.\nCreate and maintain new performance reports with cohorted analysis. \nTroubleshoot tracking discrepancies and data anomalies, working with technical teams (both within the company and outside agencies) to implement fixes and prevent future issues.\nMonitor and stay current on platform updates, privacy regulations, and industry best practices that may impact optimization and testing capabilities\n"},{"text":"Qualifications","content":"\n2-4 years of experience in performance marketing, marketing analytics, or digital analytics with a focus on optimization and strategy.\nStrong technical efficiency with analytics platforms (e.g., Google Analytics or similar) and visualization tools (Like Tableau, power BI or similar. Hex would be a plus).\nExperience implementing new reports and dashboards with focus on diagnoses and action plans from data models.\nStrong analytical and problem-solving skills with a very high attention to detail.\n"},{"text":"Benefits","content":"\nLocal benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\n"}],"text":"Data Marketing Analyst","country":"BR","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"This role plays a key part in the creation, monitoring, and maintenance of our performance marketing capability. The Marketing Data Analyst will be responsible for ensuring accurate adoption, execution and reporting of the strategy across marketing funnels, platforms, and countries of operation, ensuring that we analyse, optimize and make data-driven decisions.
","descriptionBodyPlain":"This role plays a key part in the creation, monitoring, and maintenance of our performance marketing capability. The Marketing Data Analyst will be responsible for ensuring accurate adoption, execution and reporting of the strategy across marketing funnels, platforms, and countries of operation, ensuring that we analyse, optimize and make data-driven decisions.\n","hostedUrl":"https://jobs.lever.co/payjoy/9d5bcc3a-24de-4014-a1cc-c090b986c2da","applyUrl":"https://jobs.lever.co/payjoy/9d5bcc3a-24de-4014-a1cc-c090b986c2da/apply"},{"additionalPlain":"Principios de PayJoy\n \nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.\n","additional":"Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Global Collections","allLocations":["Mexico City, CDMX"]},"createdAt":1780345982870,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n\n\nEl representante de cobranzas es responsable de brindar atención al cliente por los distintos medios con que contamos para asesorar sobre sus pagos, a fin de disminuir clientes en atraso en el portafolio y el riesgo de cuentas por cobrar atrasadas.\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
El representante de cobranzas es responsable de brindar atención al cliente por los distintos medios con que contamos para asesorar sobre sus pagos, a fin de disminuir clientes en atraso en el portafolio y el riesgo de cuentas por cobrar atrasadas.
","id":"a21f870c-d783-46eb-9e7d-d36deb7790e0","lists":[{"text":"Responsabilidades ","content":"\n\n
\nExplicación y atención al cliente con cualquier información relacionada con su financiamiento, validación y aplicación de pagos.
\n\n
\nRealizar llamadas telefónicas de acuerdo a la cartera asignada para contactar a los distintos Comercios y clientes realizando la gestión de cobranza solicitada.
\n\n
\nRecuperar los pagos de los clientes que se encuentran atrasados en su cuenta, organizando a los clientes dependiendo de su nivel de mora y reportando promesas de pago.
\n\n
\nCumplir con las metas establecidas, cumpliendo con las políticas, guiones, guión, procedimientos y trato con los clientes.
\n\n
\nAyudar a mejorar las estrategias de cobranza que ya tenemos implementadas.
\n\n\n
\n\n
\nEstudios Técnicos completos o parcialmente universitarios en áreas afines como Administración de Empresas, Comunicaciones o similares.
\n\n
\nConocimientos intermedios de herramientas de Microsoft Office y Google Suite.
\n\n
\nExperiencia previa en cobranza o atención al cliente preferiblemente en el sector comercial o financiero, de al menos 1 año.
\n\n
\nHabilidades de comunicación efectiva, capacidad para trabajar en equipo y manejar situaciones difíciles bajo presión.
\n\n
\nCapacidad para demostrar empatía y actitud de apoyo al momento de comunicarse con nuestros clientes, así como una fuerte capacidad para comunicarse de manera asertiva, tanto oralmente como por escrito.
\n\n\n
Seguro de gastos médicos mayores, plan de descuentos en salud, odontología y oftalmología para el empleado y familiares directos.
\n\n\nSeguro de vida.
\n\n\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.
\n\n\n30 días de aguinaldo
\n\n\n20 días de vacaciones.
\n\n\n50% de prima vacacional.
\n\n\n$2,000 MXN en vales de despensa mensual
\n\n\n$2,000 USD beneficio anual para Co-working travel.
\n\n\n$2,000 USD beneficio anual para desarrollo profesional.
\n\n"}],"text":"Ejecutivo telefónico de cobranza","country":"MX","workplaceType":"hybrid","opening":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"El representante de cobranzas es responsable de brindar atención al cliente por los distintos medios con que contamos para asesorar sobre sus pagos, a fin de disminuir clientes en atraso en el portafolio y el riesgo de cuentas por cobrar atrasadas.
","descriptionBodyPlain":"El representante de cobranzas es responsable de brindar atención al cliente por los distintos medios con que contamos para asesorar sobre sus pagos, a fin de disminuir clientes en atraso en el portafolio y el riesgo de cuentas por cobrar atrasadas.\n","hostedUrl":"https://jobs.lever.co/payjoy/a21f870c-d783-46eb-9e7d-d36deb7790e0","applyUrl":"https://jobs.lever.co/payjoy/a21f870c-d783-46eb-9e7d-d36deb7790e0/apply"},{"additionalPlain":"PayJoy tem orgulho de ser um empregador com oportunidades iguais de emprego, e que acolhe e incentiva pessoas de todas as origens. Não discriminamos com base em raça, religião, cor, origem nacional, gênero (incluindo gravidez, parto ou condições médicas relacionadas), orientação sexual, identidade de gênero, expressão de gênero, idade, deficiência ou outras características legalmente protegidas aplicáveis.\n \nPayJoy Principles\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed\n","additional":"PayJoy tem orgulho de ser um empregador com oportunidades iguais de emprego, e que acolhe e incentiva pessoas de todas as origens. Não discriminamos com base em raça, religião, cor, origem nacional, gênero (incluindo gravidez, parto ou condições médicas relacionadas), orientação sexual, identidade de gênero, expressão de gênero, idade, deficiência ou outras características legalmente protegidas aplicáveis.
\n
\n\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Brazil","team":"Sales","allLocations":["Brazil"]},"createdAt":1780500484231,"descriptionPlain":"Sobre a PayJoy\n \nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.\n \nEsta função\n\n\nO Executivo Comercial atua com prospecção e manutenção da carteira de clientes, construindo e mantendo relacionamentos sólidos com os lojistas (B2B). É o responsável por aumentar a originação e a integração de novos parceiros no território atribuído, através de trabalho de campo frequente (visita às lojas), para prestar apoio, treinamento, implementação de campanhas de incentivo e marketing direcionado, de forma a garantir o cumprimento e superação dos objetivos de vendas e produtividade dos parceiros.\n \n \n","description":"Sobre a PayJoy
\n
\nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.
\n
\nEsta função
O Executivo Comercial atua com prospecção e manutenção da carteira de clientes, construindo e mantendo relacionamentos sólidos com os lojistas (B2B). É o responsável por aumentar a originação e a integração de novos parceiros no território atribuído, através de trabalho de campo frequente (visita às lojas), para prestar apoio, treinamento, implementação de campanhas de incentivo e marketing direcionado, de forma a garantir o cumprimento e superação dos objetivos de vendas e produtividade dos parceiros.
\n
\n
","id":"c35fb027-6c0c-4ec2-983a-241303453383","lists":[{"text":"Principais Responsabilidades:","content":"\nAlcançar o cumprimento da meta mensal de vendas novas, ativação de lojas e qualidade das vendas, na área sob sua responsabilidade, aumentando a produtividade e a participação de mercado;\nManter a produtividade e qualidade da carteira de clientes, mantendo e aumentando os resultados mês a mês;\nDesenvolver o relacionamento com os lojistas para manter saudável/estável a conta dos membros existentes, respondendo às solicitações e resolvendo problemas na conversão para cliente final com a plataforma PayJoy.\nVisite lojas para treinar equipes de vendas, divulgar materiais de marketing e ativar campanhas de incentivo.\nGerar estratégias para aumentar as vendas na área designada, incluindo análises de mercado e concorrência para identificar tendências e oportunidades de vendas.\nIdentifique e entre em contato com novos parceiros de negócios, garantindo que eles atendam aos requisitos e ativando assim que autorizados.\nMantenha o banco de dados de clientes atualizado e registre todas as interações e vendas realizadas. Elaborar relatórios de vendas e análises de desempenho para gestão.\n"},{"text":"Requisitos:","content":"\nEstudos técnicos ou universitários em áreas afins como Administração de Empresas, Comunicação ou áreas afins.\nExperiência em vendas externas com criação de rotas.\nExperiência em vendas de software, dispositivos móveis, indústria de telecomunicações, serviços financeiros ou adquirência.\nFortes habilidades interpessoais e de comunicação para estabelecer relacionamentos eficazes e treinar pessoal de parceiros de negócios.\nOrientação para resultados, portanto, proatividade, organização, perseverança e resiliência são atributos essenciais.\nPara garantir o sucesso, você precisa ter fortes habilidades analíticas e de negociação, pois será responsável pelo desempenho e pelas vendas da loja.\nDisponibilidade para se deslocar para visitar lojas, deverá ter transporte próprio para cobrir as áreas designadas (carro)\nConhecer profundamente as regiões da Grande Florianópolis com disponibilidade para explorar todo o Estado para explorar mercado.\n"},{"text":"Benefícios:","content":"\nPlano de Saúde Bradesco 100% coberto pela empresa para você e dependentes legais;\nPlano Odontológico Bradesco 100% coberto pela empresa para você e dependentes legais;\nSeguro de Vida;\nVale Refeição de R$60,00 por dia no FlashCard;\nAuxílio Home de R$180,00 office via FlashCard;\nBudget Anual de $2,000 USD para investir na sua carreira;\nBudget Anual de $2,000 USD para Co-working Travel perk;\nReembolso único para compra de equipamentos de home office, headphones;\nReembolso para atividades de bem estar;\nIncentivo Phone finance;\nReembolso de deslocamentos e hospedagem.\n"}],"text":"Executivo Comercial - São José do Rio Preto","country":"BR","workplaceType":"hybrid","opening":"Sobre a PayJoy
\n
\nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.
\n
\nEsta função
","openingPlain":"Sobre a PayJoy\n \nA PayJoy, uma Sociedade de Benefício Público, é uma provedora de crédito orientada por propósito, dedicada a ajudar clientes sub-atendidos em mercados emergentes a alcançar estabilidade e sucesso financeiro. Nossa tecnologia patenteada de crédito garantido funciona como uma porta de entrada ao sistema de crédito para novos clientes. Por meio do financiamento no ponto de venda e de nossas ofertas de cartão, os clientes têm acesso a uma qualidade de vida moderna. O crédito da PayJoy também permite que nossos clientes aproveitem oportunidades como microempreendedores e funciona como um amparo em tempos difíceis. Com nossa tecnologia de ponta em machine learning, ciência de dados e inteligência artificial antifraude, atendemos mais de 18 milhões de clientes até 2025, alcançando uma rentabilidade sólida que sustenta nosso crescimento.\n \nEsta função\n","descriptionBody":"O Executivo Comercial atua com prospecção e manutenção da carteira de clientes, construindo e mantendo relacionamentos sólidos com os lojistas (B2B). É o responsável por aumentar a originação e a integração de novos parceiros no território atribuído, através de trabalho de campo frequente (visita às lojas), para prestar apoio, treinamento, implementação de campanhas de incentivo e marketing direcionado, de forma a garantir o cumprimento e superação dos objetivos de vendas e produtividade dos parceiros.
\n
\n
","descriptionBodyPlain":"O Executivo Comercial atua com prospecção e manutenção da carteira de clientes, construindo e mantendo relacionamentos sólidos com os lojistas (B2B). É o responsável por aumentar a originação e a integração de novos parceiros no território atribuído, através de trabalho de campo frequente (visita às lojas), para prestar apoio, treinamento, implementação de campanhas de incentivo e marketing direcionado, de forma a garantir o cumprimento e superação dos objetivos de vendas e produtividade dos parceiros.\n \n \n","hostedUrl":"https://jobs.lever.co/payjoy/c35fb027-6c0c-4ec2-983a-241303453383","applyUrl":"https://jobs.lever.co/payjoy/c35fb027-6c0c-4ec2-983a-241303453383/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"Taguig City","team":"Product and UX","allLocations":["Taguig City"]},"createdAt":1777087590179,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nWe're looking for a curious, people-first Retail Insights Analyst to be our eyes and ears in the field across the Philippines. In this role, you'll spend the majority of your time visiting retail stores, building genuine relationships with Clerks, Owners, and Admins, and translating what you observe into insights that directly shape how PayJoy operates and grows.\nYou'll work cross-functionally with Merchant Ops, Product, Sales, and GTM teams — bringing the voice of our customers and retail partners into decisions that matter. This is a role for someone who loves being out in the field as much as they love synthesizing what they find into clear, actionable stories.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We're looking for a curious, people-first Retail Insights Analyst to be our eyes and ears in the field across the Philippines. In this role, you'll spend the majority of your time visiting retail stores, building genuine relationships with Clerks, Owners, and Admins, and translating what you observe into insights that directly shape how PayJoy operates and grows.
\n
You'll work cross-functionally with Merchant Ops, Product, Sales, and GTM teams — bringing the voice of our customers and retail partners into decisions that matter. This is a role for someone who loves being out in the field as much as they love synthesizing what they find into clear, actionable stories.
\n
\n\n
Conduct in-person interviews and store visits to surface opportunities and issues before they become visible in more widely available data\nSurface early signals of shifting perceptions, needs, and behaviors among Clerks and Retail Partners, and turn those findings into clear implications for Sales and Product teams.\nGather competitive intelligence through mystery shopping and ongoing landscape tracking\nProduce reports that synthesize field insights with clear recommended actions and business impact\nDevelop a deep, nuanced understanding of the retail environments where PayJoy operates across your region\nSupport ad-hoc research requests as needed\n\n"},{"text":"Requirements","content":"\n\n
Bachelor's degree in any field\n1–2 years of experience in research, marketing, go-to-market, or a related discipline\nFluency in English and Tagalog\nStrong interpersonal skills — you can make anyone feel comfortable opening up in conversation\nComfortable working autonomously and hitting productivity targets (store visits, interviews per week)\nA proactive, adaptable mindset — you thrive in fast-moving environments with shifting priorities\nAbility to influence cross-functional partners including Sales, Product, and Merchant Ops through clear communication and well-grounded insights\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n\n"}],"text":"Field Research Analyst (Retail & Partnerships)","country":"PH","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We're looking for a curious, people-first Retail Insights Analyst to be our eyes and ears in the field across the Philippines. In this role, you'll spend the majority of your time visiting retail stores, building genuine relationships with Clerks, Owners, and Admins, and translating what you observe into insights that directly shape how PayJoy operates and grows.
\n
You'll work cross-functionally with Merchant Ops, Product, Sales, and GTM teams — bringing the voice of our customers and retail partners into decisions that matter. This is a role for someone who loves being out in the field as much as they love synthesizing what they find into clear, actionable stories.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Financial Products","location":"Bogotá, Bogotá D.C.","team":"Fraud Operations","allLocations":["Bogotá, Bogotá D.C."]},"createdAt":1778194089679,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Fraud Analytics Analyst is responsible for leveraging data analytics to set a fraud strategy that serves as a competitive advantage, providing the right balance between a seamless user experience and great fraud controls.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Fraud Analytics Analyst is responsible for leveraging data analytics to set a fraud strategy that serves as a competitive advantage, providing the right balance between a seamless user experience and great fraud controls.
\n
\n\n
\nAnalyze large datasets to identify trends, patterns, and indicators of fraud, focusing on both broad fraud trends and specific areas such as credit card and transactional fraud.
\n\n
\nDevelop and refine fraud detection models and algorithms to improve detection rates and false positives.
\n\n
\nDrive research projects through all its phases, from inception to deployment and impact assessment.
\n\n
\nPrepare and present analytical reports on fraud trends, findings, and the effectiveness of fraud prevention strategies.
\n\n
\nWrite queries, design, build and maintain dashboards and visualizations to monitor randomized experiments and key metrics.
\n\n
\nContinuously quantify the impact in gross margin of fraud initiatives, size the economic opportunity of product vulnerabilities and process inefficiencies.
\n\n
\nWork cross functionally with stakeholders in Data Science, Fraud Operations, Product, and Go-to-market.
\n\n\n
\n\n
\nBachelor’s degree in applied quantitative field, such as statistics, economics, mathematics, etc.
\n\n
\n1-2 years of work experience with transactional fraud in credit lending and credit cards, working in the telecom industry and a fast-paced and rapidly changing environments.
\n\n
\nStrong SQL competencies, and experience with statistical programming languages such as R or Python.
\n\n
\nExcellent written and oral communication skills, summarize and communicate technical analysis to broad audiences.
\n\n
\nStrong analytical skills and who are curious by nature.
\n\n
\nResults-oriented and feels comfortable working both autonomously and in heavily cross-functional environments, taking full ownership of his/her own projects.
\n\n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Fraud Analytics Analyst is responsible for leveraging data analytics to set a fraud strategy that serves as a competitive advantage, providing the right balance between a seamless user experience and great fraud controls.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Financial Products","location":"Mexico City, CDMX","team":"Fraud Strategy","allLocations":["Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1776984140997,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nWe are looking for an experienced, strategic, and hands-on leader to own PayJoy's global fraud operations function. You will lead a team of 20+ fraud operations analysts across 10 countries and will be responsible for both the strategy and day-to-day execution of fraud prevention across our consumer and SME products.\nThis is a rare opportunity to build a world-class fraud function from the ground up in one of the most dynamic and complex fraud environments in the world — serving populations that traditional financial institutions have left behind, through both physical retail and digital channels.\nYou will partner closely with Product, Engineering, Data Science, Compliance, and regional General Managers to ensure fraud operations scales with PayJoy's global growth.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We are looking for an experienced, strategic, and hands-on leader to own PayJoy's global fraud operations function. You will lead a team of 20+ fraud operations analysts across 10 countries and will be responsible for both the strategy and day-to-day execution of fraud prevention across our consumer and SME products.
\n
This is a rare opportunity to build a world-class fraud function from the ground up in one of the most dynamic and complex fraud environments in the world — serving populations that traditional financial institutions have left behind, through both physical retail and digital channels.
\n
You will partner closely with Product, Engineering, Data Science, Compliance, and regional General Managers to ensure fraud operations scales with PayJoy's global growth.
\n
\n\n
\nDefine and own PayJoy's global anti-fraud operations across all markets, products, and distribution channels — from physical retail to fully digital onboarding
\n\n
\nSet the vision for how fraud operations becomes a measurable competitive advantage: higher approval rates, lower fraud losses, and a better user experience than our competitors
\n\n
\nTranslate strategy into executable roadmaps, working cross-functionally with Product, Engineering, Data Science, and regional GMs
\n\n
\nRepresent fraud risk at the leadership level, clearly communicating trade-offs between growth, user experience, and loss exposure
\n\n
\nOwn end-to-end fraud operations including user onboarding, KYC/identity verification, transaction monitoring, dispute resolution, and fraud investigations
\n\n
\nOptimize fraud rules, models, and workflows across geographies, balancing fraud loss rates with onboarding pass rates and false positive rates
\n\n\n\n
\nLead, develop, and scale a team of 20+ fraud operations analysts and managers across 10 countries
\n\n
\nOwn and report on key fraud KPIs including fraud loss rate, false positive rate, onboarding pass rate, investigation SLAs, and chargeback rates
\n\n
\nBuild reporting infrastructure that gives leadership real-time visibility into fraud trends and emerging threats
\n\n
\nBuild a high-performance team culture grounded in data-driven decision making, operational rigor, and continuous improvement
\n\n
\nMentor and develop the next generation of fraud leaders within PayJoy
\n\n\n
\n\n
\n10+ years of experience in fraud, financial crime, or risk operations, with at least 5 years in a leadership role
\n\n
\nProven experience managing and developing teams of 20+ people, ideally across multiple geographies or time zones
\n\n
\nDeep expertise in fraud patterns — including first-party fraud, synthetic identity, account takeover, bust-out fraud, and organized fraud rings
\n\n
\nExperience building KYC and identity verification systems for underbanked or thin-file populations
\n\n
\nHands-on experience with fraud rules engines, device intelligence platforms, and fraud analytics tooling
\n\n
\nAdvanced SQL skills; ability to independently analyze data, build fraud monitoring dashboards, and derive actionable insights
\n\n
\nFluency in Spanish & English required; Portuguese a strong plus
\n\n
\nExperience operating in at least one LatAm market (Mexico, Colombia, or Brazil strongly preferred)
\n\n
\nStrong written and verbal communication skills; ability to influence senior stakeholders and cross-functional partners without direct authority
\n\n\n
\n\n
\nExperience at a high-growth fintech, lending platform, or marketplace operating in LatAm
\n\n
\nFamiliarity with device-based fraud vectors — IMEI fraud, point-of-sale collusion, device resale schemes — relevant to secured lending or device financing models
\n\n
\nExperience working with Data Science teams to develop, evaluate, and deploy ML fraud models
\n\n
\nAbility to work with Product and Engineering teams
\n\n
\nPython or equivalent scripting for data analysis and fraud workflow automation
\n\n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We are looking for an experienced, strategic, and hands-on leader to own PayJoy's global fraud operations function. You will lead a team of 20+ fraud operations analysts across 10 countries and will be responsible for both the strategy and day-to-day execution of fraud prevention across our consumer and SME products.
\n
This is a rare opportunity to build a world-class fraud function from the ground up in one of the most dynamic and complex fraud environments in the world — serving populations that traditional financial institutions have left behind, through both physical retail and digital channels.
\n
You will partner closely with Product, Engineering, Data Science, Compliance, and regional General Managers to ensure fraud operations scales with PayJoy's global growth.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Lima","team":"Sales","allLocations":["Lima"]},"createdAt":1778871190606,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Growth Analyst is responsible for supporting any growth opportunities and design, executing strategies to attract potential new customers, retain existing customers and help to increase sales and profitability across our retail network.
","id":"dbcc7a9f-c3c3-4ec3-b406-ad8c7f667615","lists":[{"text":"Responsibilities","content":"\n\n
\nExecute growth strategies for new and existing retail locations, including market selection, launch planning, and performance tracking.
\n\n
\nImplement retention strategies through brand partnerships and increase credit line utilization among these customers.
\n\n
\nIdentify and prioritize high-potential retail opportunities through data-driven market analysis.
\n\n
\nLeverage data-driven insights to analyze store-level performance and customer behavior, identifying growth levers and implementing optimization initiatives
\n\n
\nWork closely with risk and credit teams to maintain low non-performing loan (NPL) ratios while preserving a strong, attractive product and financing offer for customers.
\n\n
\nTrack full retail P&L, identifying drivers of profitability and making recommendations to improve margins, customer lifetime value, and operational efficiency.
\n\n
\nPartner with marketing and CRM teams to localize campaigns and drive foot traffic.
\n\n
\nWork with key external and internal partners to expand our physical footprint and co-develop new product and service offerings in-store.
\n\n
\nBuild scalable playbooks and SOPs to support rapid and sustainable retail growth.
\n\n
\nChampion continuous improvement and innovation in the retail experience.
\n\n\n
\n\n
\nBachelor’s degree Business, Engineering, Marketing or similar.
\n\n
\n3+ years of experience in retail strategy, growth, or product, ideally in fast-paced environments such as retail tech, fintech, or startups.
\n\n
\nAnalytical skills with data-driven approach.
\n\n
\nCommunication skills for effective collaboration.
\n\n
\nSelf-driven and results-driven, willing to work in a dynamic, high-change environment.
\n\n
\nStrong analytical mindset with the ability to turn insights into action.
\n\n
\nIntermediate English proficiency (written and spoken).
\n\n
\nExperience working with cross-functional teams and managing complex projects.
\n\n
\nComfortable with ambiguity and energized by building from scratch.
\n\n
\nFluency in retail metrics, customer acquisition, and unit economics.
\n\n\n
\n\n
100% Company-funded Health for employees and immediate family members.\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n\n"}],"text":"Growth Analyst","country":"PE","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Growth Analyst is responsible for supporting any growth opportunities and design, executing strategies to attract potential new customers, retain existing customers and help to increase sales and profitability across our retail network.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/dbcc7a9f-c3c3-4ec3-b406-ad8c7f667615","applyUrl":"https://jobs.lever.co/payjoy/dbcc7a9f-c3c3-4ec3-b406-ad8c7f667615/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"department":"Go To Market","location":"Sao Paulo","team":"Marketing","allLocations":["Sao Paulo"]},"createdAt":1764265753470,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Growth Manager is responsible for executing PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC and ensuring strong portfolio performance.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Growth Manager is responsible for executing PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC and ensuring strong portfolio performance.
","id":"976868a7-341a-4371-b742-b29b56f28e69","lists":[{"text":"Responsibilities","content":"\n\n
Execute and monitor the DTC acquisition strategy across paid and owned channels (Google, Meta, TikTok, affiliates) to drive efficient customer growth.\nLaunch and optimize multi-market campaigns, testing creatives, audiences, and bidding strategies to maximize ROI.\nAnalyze performance using cohort-based metrics (LTV, CAC, payback) to generate actionable insights and daily reports.\nPartner with Risk and Analytics teams to ensure acquisition quality aligns with credit performance metrics like approval rates and delinquency.\nImplement structured experimentation across the funnel, including landing pages, onboarding flows, and targeting to improve conversion.\nTechnical Support: Collaborate with Product and Engineering to enhance tracking, attribution, and measurement frameworks.\nLocalization: Support the development of localized strategies, adapting messaging and user journeys to country-specific dynamics.\n\n"},{"text":"Qualifications","content":"\nBachelor’s degree in Business, Engineering, Economics, Marketing, or related fields.\n4–5 years of experience in growth, performance marketing, or digital acquisition, preferably in fintech or high-growth tech companies.\nHands-on experience with Google Ads, Meta Ads Manager, and attribution tools like Google Analytics, AppsFlyer or Adjust.\nStrong understanding of unit economics and the ability to translate data into actionable insights.\nProven experience working with cross-functional teams such as Risk, Product, and Finance.\nAdvanced English and fluency in the local language (Spanish/Portuguese).\nSelf-starter with strong ownership, curiosity, and a bias for action\n"},{"text":"Benefits","content":"\nLocal benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks \nCatered lunches\n"}],"text":"Growth Marketing Partner","country":"BR","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Growth Manager is responsible for executing PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC and ensuring strong portfolio performance.
","descriptionBodyPlain":"The Growth Manager is responsible for executing PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC and ensuring strong portfolio performance.\n","hostedUrl":"https://jobs.lever.co/payjoy/976868a7-341a-4371-b742-b29b56f28e69","applyUrl":"https://jobs.lever.co/payjoy/976868a7-341a-4371-b742-b29b56f28e69/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Sao Paulo","team":"Marketing","allLocations":["Sao Paulo","Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1777503388868,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Senior Growth Manager – Direct to Consumer (DTC) is responsible for leading PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC, improving conversion, and ensuring strong portfolio performance.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Growth Manager – Direct to Consumer (DTC) is responsible for leading PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC, improving conversion, and ensuring strong portfolio performance.
","id":"7f5ba886-f01f-413a-a93a-1d151f5cf397","lists":[{"text":"Responsibilities","content":"\nOwn the DTC acquisition strategy and execution across paid and owned channels (Google, Meta, TikTok, OEMs, affiliates), driving scalable and efficient customer growth
Plan, launch, and optimize campaigns across multiple markets, testing creatives, audiences, and bidding strategies to maximize ROI and minimize CAC
Analyze performance using cohort-based metrics (LTV, CAC, payback, repayment), generating actionable insights and recommendations for continuous improvement
Partner closely with Risk and Analytics teams to ensure acquisition quality and alignment with credit performance metrics such as approval rate, delinquency, and repayment
Lead structured experimentation across the funnel, including creatives, landing pages, onboarding flows, and targeting strategies to improve conversion rates
Collaborate with Product and Engineering teams to enhance tracking, attribution, and measurement frameworks across digital channels
Develop localized growth strategies by market, adapting channels, messaging, and user journeys to country-specific dynamics
Contribute to PayJoy’s global growth playbook by sharing insights, best practices, and learnings across regions\n"},{"text":"Qualifications","content":"\nBachelor’s degree in Business, Engineering, Economics, Marketing, or related fields\n6–9 years of experience in growth, performance marketing, or digital acquisition roles, preferably in fintech, lending, or high-growth tech companies\nProven experience managing large-scale performance marketing campaigns with clear accountability on CAC, LTV, and ROI\nStrong understanding of unit economics and how acquisition impacts portfolio performance and profitability\nHands-on experience with platforms such as Google Ads, Meta, TikTok, and attribution tools like AppsFlyer, Adjust, or similar\nExperience working across multiple countries or emerging markets (LatAm preferred: Mexico, Brazil, Colombia)\nStrong analytical and problem-solving skills, with the ability to translate data into actionable insights\nExperience collaborating with cross-functional teams including Risk, Product, Analytics, and Finance\nSelf-starter with strong ownership, curiosity, and a bias for action\n"},{"text":"Benefits","content":"\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus.\n20 days paid Vacation.\n50% Vacation premium.\n13% Saving funds.\n$2,000 MXN monthly grocery coupons.\n$2,000 USD annual Co-working Travel perk.\n$2,000 USD annual Professional Development perk.\n\n"}],"text":"Growth Senior Manager","country":"BR","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Growth Manager – Direct to Consumer (DTC) is responsible for leading PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC, improving conversion, and ensuring strong portfolio performance.
","descriptionBodyPlain":"The Senior Growth Manager – Direct to Consumer (DTC) is responsible for leading PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC, improving conversion, and ensuring strong portfolio performance.\n","hostedUrl":"https://jobs.lever.co/payjoy/7f5ba886-f01f-413a-a93a-1d151f5cf397","applyUrl":"https://jobs.lever.co/payjoy/7f5ba886-f01f-413a-a93a-1d151f5cf397/apply"},{"additionalPlain":"Principios de PayJoy\n \nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.\n","additional":"Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Sales","allLocations":["Mexico City, CDMX"]},"createdAt":1779994051141,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
\n
El representante de cuentas clave será responsable de identificar cuentas potenciales dentro de una cartera compleja, facilitar las operaciones comerciales sin problemas, coordinar la comunicación entre los equipos internos y las partes interesadas externas y garantizar la eficiencia general de los clientes de rápido crecimiento.
\n
\n\n
\nActualizar a los clientes sobre nuevos productos, programas o iniciativas de marketing
\n\n
\nLograr constantemente los objetivos mensuales o trimestrales
\n\n
\nMantener de forma proactiva los canales de comunicación con los clientes por teléfono, correo electrónico o reuniones presenciales
\n\n
\nPresentar información mensual sobre las cuentas que se le asignaron, para que el equipo pueda realizar un seguimiento de las prácticas escalables con su propia cartera.
\n\n
\nIncorporar nuevos clientes para ayudarlos a comprender la gama completa de productos de la empresa.
\n\n
\nActuar como punto de contacto si los clientes tienen algún problema y ayudarlos a resolverlo.
\n\n\n
\n\n
\nLicenciatura en Administración, Comercial, Marketing, Finanzas o campo relacionado.
\n\n
\nExperiencia mínima de 2 años en Éxito de socios, Experiencia del cliente, Operaciones, Ventas;
\n\n
\nAntecedentes comprobados de estar por encima de los objetivos con los KPI y objetivos asignados.
\n\n
\nCapacidad para trabajar en colaboración con equipos multifuncionales para impulsar el crecimiento
\n\n
\nSólidas habilidades analíticas, organización, comunicación, trabajo en equipo, resolución de problemas y habilidades de pensamiento crítico
\n\n
\nCapacidad para construir relaciones duraderas y significativas con los clientes
\n\n
\nHabilidades analíticas y capacidad para trabajar con grandes conjuntos de datos
\n\n\n
\n\n
\nSeguro de gastos médicos mayores, plan de descuentos en salud, odontología y oftalmología para el empleado y familiares directos.
\n\n
\nSeguro de vida.
\n\n
\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.
\n\n
\n30 días de aguinaldo
\n\n
\n20 días de vacaciones.
\n\n
\n50% de prima vacacional.
\n\n
\n13% fondo de ahorro.
\n\n
\n$2,000 MXN en vales de despensa mensual
\n\n
\n$2,000 USD beneficio anual para Co-working travel.
\n\n
\n$2,000 USD beneficio anual para desarrollo profesional.
\n\n\n
Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"\n
El representante de cuentas clave será responsable de identificar cuentas potenciales dentro de una cartera compleja, facilitar las operaciones comerciales sin problemas, coordinar la comunicación entre los equipos internos y las partes interesadas externas y garantizar la eficiencia general de los clientes de rápido crecimiento.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Sales","allLocations":["Jakarta"]},"createdAt":1777448881259,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of stores, work with local smartphone OEMs.
\n
\n\n
Develop, manage and implement effective strategic plans and goals to develop new and existing strategic key accounts.\nBuild solid and long-lasting trusted relationships with key partners and stakeholders.\nPrepare and maintain accurate forecasts for all key strategic accounts and meet target requirements, tracking key performance indicators (KPIs).\nDevelop, manage and implement go to market strategies for each key strategic account, identifying customer pain points and implementing improvement plans in commercial management.\nLead and mentor a team of professionals to achieve individual goals, meet KPIs, and enhance their skills and performance;\nCollaborate effectively with internal teams, influence cross-functional projects, and take a leadership role in driving integrated business initiatives.\nAnalyze market information to identify and leverage strategic partnership opportunities that align with the company’s goals.\n\n"},{"text":"Requirements","content":"\n\n
Bachelor's degree in business, marketing, or a related field or equivalent work experience.\n5+ years of experience in growing key accounts and meeting revenue targets, especially focusing on top accounts.\nFluent in Mandarin (spoken and written) is prioritized\nHaving experience in working with Major Chinese smartphone OEMs in Indonesia is preferred\nDemonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.\nExpertise in business and marketing strategies, with an exceptional understanding of the local markets trends and industry knowledge.\nExcellent communication and negotiation abilities.\nHigh proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.\nUnderstanding of market trends and basic industry knowledge\nCustomer-centric approach with a track record of building and maintaining strong client relationships.\nExceptional ability to handle pressure from internal and external stakeholders while maintaining a positive and solution-oriented attitude.\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, headphone, home office equipment and wellness perks.\nUSD$2,000 annual co-working travel benefit\nUSD$2,000 annual professional development benefit\nUSD$500 annual wellness benefit\n\n"}],"text":"Key Account Manager","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of stores, work with local smartphone OEMs.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Sales","allLocations":["Jakarta"]},"createdAt":1778048437695,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of stores, work with local smartphone OEMs.
\n
\n\n
Develop, manage and implement effective strategic plans and goals to develop new and existing strategic key accounts.\nBuild solid and long-lasting trusted relationships with key partners and stakeholders.\nPrepare and maintain accurate forecasts for all key strategic accounts and meet target requirements, tracking key performance indicators (KPIs).\nDevelop, manage and implement go to market strategies for each key strategic account, identifying customer pain points and implementing improvement plans in commercial management.\nLead and mentor a team of professionals to achieve individual goals, meet KPIs, and enhance their skills and performance;\nCollaborate effectively with internal teams, influence cross-functional projects, and take a leadership role in driving integrated business initiatives.\nAnalyze market information to identify and leverage strategic partnership opportunities that align with the company’s goals.\n\n"},{"text":"Requirements","content":"\n\n
Bachelor's degree in business, marketing, or a related field or equivalent work experience.\n5+ years of experience in growing key accounts and meeting revenue targets, especially focusing on top accounts.\nFluent in Mandarin (spoken and written) is prioritized\nHaving experience in working with Major Chinese smartphone OEMs in Indonesia is preferred\nDemonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.\nExpertise in business and marketing strategies, with an exceptional understanding of the local markets trends and industry knowledge.\nExcellent communication and negotiation abilities.\nHigh proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.\nUnderstanding of market trends and basic industry knowledge\nCustomer-centric approach with a track record of building and maintaining strong client relationships.\nExceptional ability to handle pressure from internal and external stakeholders while maintaining a positive and solution-oriented attitude.\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, headphone, home office equipment and wellness perks.\nUSD$2,000 annual co-working travel benefit\nUSD$2,000 annual professional development benefit\nUSD$500 annual wellness benefit\n\n"}],"text":"Key Account Manager (Chinese Speaker)","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of stores, work with local smartphone OEMs.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Sales","allLocations":["Mexico City, CDMX"]},"createdAt":1774481010166,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of kiosks\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of kiosks
\n
Develop, manage and implement effective strategic plans and goals to develop new and existing strategic key accounts.
Build solid and long-lasting trusted relationships with key partners and stakeholders.
Prepare and maintain accurate forecasts for all key strategic accounts and meet target requirements, tracking key performance indicators (KPIs).
Develop, manage and implement go to market strategies for each key strategic account, identifying customer pain points and implementing improvement plans in commercial management.
Lead and mentor a team of professionals to achieve individual goals, meet KPIs, and enhance their skills and performance;
Collaborate effectively with internal teams, influence cross-functional projects, and take a leadership role in driving integrated business initiatives.
Analyze market information to identify and leverage strategic partnership opportunities that align with the company’s goals.
"},{"text":"Qualifications","content":"\nBachelor's degree in business, marketing, or a related field or equivalent work experience.\n5+ years of experience in growing key accounts and meeting revenue targets, especially focusing on top accounts.\nDemonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.\nExpertise in business and marketing strategies, with an exceptional understanding of the local markets trends and industry knowledge.\nExcellent communication and negotiation abilities.\nHigh proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.\nUnderstanding of market trends and basic industry knowledge\nCustomer-centric approach with a track record of building and maintaining strong client relationships.\nExceptional ability to handle pressure from internal and external stakeholders while maintaining a positive and solution-oriented attitude.\n"},{"text":"Benefits","content":"\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium\n13% Saving funds\n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches\n\n"}],"text":"Key Account Manager (Indirect Channel)","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Key Account Manager is responsible for overseeing the day-to-day operations, management, and strategic development of most important commercial partners across the country; including engaging and welcoming all levels of our partners’ organization structure, effective account management, overseeing of marketing efforts, optimizing sales, and maintaining the overall functionality of kiosks
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Counsel","location":"Jakarta","team":"Legal","allLocations":["Jakarta"]},"createdAt":1778511734267,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Legal & Compliance Manager is responsible for ensuring PayJoy’s adherence to applicable laws, regulations and internal policies, ensure contractual corporate obligations are met and draft and revise contracts, oversee company’s intellectual property, support litigation, and meeting evolving legal and regulatory standards in financial regulatory compliance, licensing, and engagement with regulatory authorities.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Legal & Compliance Manager is responsible for ensuring PayJoy’s adherence to applicable laws, regulations and internal policies, ensure contractual corporate obligations are met and draft and revise contracts, oversee company’s intellectual property, support litigation, and meeting evolving legal and regulatory standards in financial regulatory compliance, licensing, and engagement with regulatory authorities.
\n
\n\n
Design, implement, and maintain AML/CFT frameworks aligned with local and global regulations (e.g., OJK, LFPORPI, FATF, BSA/Patriot Act, OFAC).\nLead end-to-end KYC/KYB processes, including onboarding, re-identification, and remediation.\nOversee transaction monitoring, risk ratings, and customer screening; supervise CDD/EDD reviews, investigations, and SAR reporting.\nEnsure products and business practices comply with applicable laws; partner with Product and Engineering to enable compliant, scalable solutions.\nConduct regulatory risk assessments and ensure alignment with financial services, consumer protection, and market conduct requirements.\nDraft, review, and negotiate commercial agreements (vendors, partners, customers, NDAs).\nManage the company’s IP portfolio in coordination with external counsel.\nSupervise and coordinate external law firms to ensure high-quality, compliant legal support.\nServe as the appointed Compliance Officer and lead engagement with regulators, particularly OJK, including regulatory reporting, filings, audits, and inspections.\nMonitor and interpret OJK regulations (POJK/SEOJK) and drive timely implementation across the organization.\nBuild and maintain strong relationships with OJK and represent the company in regulatory meetings, inquiries, and industry engagements.\nAdvise leadership on regulatory strategy, licensing, and emerging regulatory risks in Indonesia.\nSupport the Legal & Compliance Manager (Asia) in executing regional compliance initiatives and ensuring alignment with broader Asia frameworks.\nContribute to regional projects such as policy harmonization, cross-border regulatory assessments, and implementation of group-wide standards.\nSupport global Legal and Compliance initiatives, including rollout of global policies, frameworks, and cross-jurisdictional projects, ensuring local alignment and execution in Indonesia.\nPerform other legal and compliance duties as may be assigned from time to time.\n\n"},{"text":"Requirements","content":"\n\n
Bachelor’s degree in Law.\nMore than 5 years of experience in legal departments of financial services or related, with compliance (AML/Data Protection) experience.\nIn-depth knowledge of local financial regulations and global fintech regulatory trends.\nStrategic thinking and strong problem-solving skills; ability to navigate ambiguity and build structure. \nHigh proficiency in data analysis for operational performance and compliance trends.\nStrong interpersonal and executive communication skills.\nCompliance experience (Preferred)\n\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n$500 Wellness Allowance\nFree lunch\n"}],"text":"Legal and Compliance Manager","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Legal & Compliance Manager is responsible for ensuring PayJoy’s adherence to applicable laws, regulations and internal policies, ensure contractual corporate obligations are met and draft and revise contracts, oversee company’s intellectual property, support litigation, and meeting evolving legal and regulatory standards in financial regulatory compliance, licensing, and engagement with regulatory authorities.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Panama City","team":"Marketing","allLocations":["Panama City"]},"createdAt":1773943909064,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Marketing Coordinator is responsible for developing and implementing trade‑marketing strategies through both traditional and digital channels and commercial activations that maximize brand visibility, customer engagement and campaign performance, focusing on operational excellence, analyzing data and collaborating with cross‑functional teams to enhance brand awareness and drive growth.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Marketing Coordinator is responsible for developing and implementing trade‑marketing strategies through both traditional and digital channels and commercial activations that maximize brand visibility, customer engagement and campaign performance, focusing on operational excellence, analyzing data and collaborating with cross‑functional teams to enhance brand awareness and drive growth.
","id":"29779dd4-1974-4794-8ecc-c36dae8bbe20","lists":[{"text":"Key responsibilities","content":"\n
\n- Oversee the design, development, and execution of trade marketing strategies across multiple channels, with a focus on delivering operational excellence. Manage all aspects of promotional activities from concept to execution, ensuring alignment with company objectives.
\n- Monitor and analyze trade marketing metrics, preparing regular reports on campaign effectiveness and providing insights to optimize future initiatives.
\n- Plan, coordinate, and execute in-store activations and promotional events, ensuring alignment with marketing strategies and brand guidelines to drive customer engagement and sales.
\n- \n
Collaborate with external partners and internal teams to manage logistics, budgets, and performance reporting, ensuring smooth execution and alignment with business objectives.
\n \n- \n
Analyze trade marketing data (from CRM, Zoho, Jotforms, etc.) and customer insights to recommend actionable strategies and optimize performance. Conduct competitor research and benchmarking to inform trade marketing strategies.
Lead and manage pilot initiatives for new channels such as trade and brand marketing. Analyze pilot results and implement learnings to scale successful projects across Panama.
\n \n- \n
Manage and optimize customer retention programs, including executing A/B testing for seasonal campaigns. Conduct follow-up research to drive improvements in campaign conversion.
\n \n- \n
Work closely with sales, marketing, and operations teams to identify process improvement opportunities and align strategies across departments. Collaborate with directors, managers, and key account managers to ensure the successful delivery of marketing initiatives.
\n \n- \n
Utilize various marketing automation tools and social media task scheduling platforms to streamline operations and enhance the impact of promotional campaigns.
\n \n- \n
Support monitoring and responding to customer inquiries on Google Profile, Instagram, and Facebook within the Panama markets, ensuring a positive brand experience.
\n \n\n
\n
\n- \n
Bachelor’s degree in Communications, Audiovisual Arts, Marketing, Design, or a related field.
\n \n- \n
+2 years of experience in marketing, with a strong background in trade marketing. Proven success in managing complex marketing operations and campaigns in fintech, consumer goods, retail, telecommunications, or startup environments.
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Deep understanding of trade marketing strategies, with hands-on experience in managing data collection, analyzing insights, and executing promotional campaigns that enhance customer engagement and brand visibility.
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Strong proficiency in data analysis, with a deep understanding of marketing performance metrics. Experience working with BI teams to derive actionable insights from data and improve campaign results.
\n \n- \n
Familiarity with marketing automation tools, CRM platforms, social media management tools, and campaign optimization technologies. Experience with A/B testing, chatbots, and customer journey analytics is highly valued.
\n \n- \n
Experience in managing relationships with directors, managers, and key account managers to align marketing strategies and ensure smooth execution of initiatives.
\n \n\n\n- \n
A creative mindset and innovative approach to proposing new solutions and optimizing marketing processes.
\n \n- \n
Excellent communication skills and the ability to work effectively as part of a cross-functional team to meet business objectives and drive results.
\n \n\n
\n
\n
\n\n
\n
\n
\n
\n
\n
100% Company-funded Health and Dental Insurance for employees and immediate family members
Life insurance
Vacations 30 days
Phone finance, Headphone, home office equipment and wellness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
Catered lunches
\n
\n
\n
\n
\n
\n
\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Marketing Coordinator is responsible for developing and implementing trade‑marketing strategies through both traditional and digital channels and commercial activations that maximize brand visibility, customer engagement and campaign performance, focusing on operational excellence, analyzing data and collaborating with cross‑functional teams to enhance brand awareness and drive growth.
","descriptionBodyPlain":"The Marketing Coordinator is responsible for developing and implementing trade‑marketing strategies through both traditional and digital channels and commercial activations that maximize brand visibility, customer engagement and campaign performance, focusing on operational excellence, analyzing data and collaborating with cross‑functional teams to enhance brand awareness and drive growth.\n","hostedUrl":"https://jobs.lever.co/payjoy/29779dd4-1974-4794-8ecc-c36dae8bbe20","applyUrl":"https://jobs.lever.co/payjoy/29779dd4-1974-4794-8ecc-c36dae8bbe20/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Johannesburg","team":"Marketing","allLocations":["Johannesburg"]},"createdAt":1780649158335,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Marketing Manager South Africa is responsible for driving localized brand growth and customer acquisition/ originations through strategic marketing initiatives across the South African market. The role leads PR, partner marketing, retail kiosk marketing, point-of-sale visibility, branding, and integrated campaigns to strengthen PayJoy’s market presence, increase customer engagement, and support revenue growth. This position works cross-functionally with Sales, Partnerships, CX, Collections and Operations to execute high-impact marketing programs that enhance channel performance and drive device activations.
\n
\n\n
Ensure consistent brand positioning and messaging across all customer and partner touchpoint.\nDevelop and execute localized marketing campaigns to drive customer acquisition, brand awareness, and revenue growth in South Africa.\nManage partner marketing initiatives with retail and channel partners to increase activations and strengthen market presence.\nOversee kiosk branding, visibility, and customer engagement strategies across retail environments.\nDrive PR and communications activities to enhance PayJoy’s brand reputation and media presence in the market.\nCollaborate cross-functionally with Sales, Partnerships, CX, Collections and Operations teams to support commercial objectives and campaign execution.\n\n"},{"text":"Requirements","content":"\n\n
Bachelor’s degree in Marketing, Business, Communications, or a related field.\n5+ years of experience in marketing, trade marketing, brand management, or partner marketing.\nExperience managing integrated marketing campaigns across retail and channel environments.\nStrong understanding of PR, branding, point-of-sale marketing, and customer acquisition strategies.\nProven ability to manage cross-functional stakeholders and external partners effectively.\nExperience in fintech, telecommunications, retail, or consumer finance industries is preferred.\nStrong project management, communication, and analytical skills with the ability to execute in a fast-paced environment.\nDemonstrated ability to drive market growth and support commercial objectives through marketing initiatives.\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\nPension Fund\nCompany-funded employee life and disability insurance\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n\n"}],"text":"Marketing Manager","country":"ZA","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Marketing Manager South Africa is responsible for driving localized brand growth and customer acquisition/ originations through strategic marketing initiatives across the South African market. The role leads PR, partner marketing, retail kiosk marketing, point-of-sale visibility, branding, and integrated campaigns to strengthen PayJoy’s market presence, increase customer engagement, and support revenue growth. This position works cross-functionally with Sales, Partnerships, CX, Collections and Operations to execute high-impact marketing programs that enhance channel performance and drive device activations.
\n
Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Merchant Operations","allLocations":["Mexico City, CDMX"]},"createdAt":1779994615446,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n\n\nMerchant Operations Analyst tendrá la respondabilidad de dar atención especializada a nuestros socios comerciales a nivel nacional, respondiendo correos y WhatsApps desde Zendesk, así cómo ayudar a que diferentes problemas o errores sobre facturación, pagos, fallas en la consola sean solucionados, así como de la comunicación activa de nuevos proyectos o\nimplementación de mejoras en el producto.\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
Merchant Operations Analyst tendrá la respondabilidad de dar atención especializada a nuestros socios comerciales a nivel nacional, respondiendo correos y WhatsApps desde Zendesk, así cómo ayudar a que diferentes problemas o errores sobre facturación, pagos, fallas en la consola sean solucionados, así como de la comunicación activa de nuevos proyectos o
implementación de mejoras en el producto.
","id":"e5b955b1-102d-4573-9184-4f71fe3ecf06","lists":[{"text":"Responsabilidades:","content":"\nOfrecer una atención excepcional a nuestros socios (CSAT)\nResolver problemas ayudandosé de diferentes stakeholders a nivel interno\nRealizar activades diarias en Zoho para la creación y alta de nuevos socios\nImplementar mejoras en nuestros procesos de atención\nComunicación activa y abierta para entender cada problema dentro de
operaciones\n"},{"text":"Requerimientos:","content":"
\n\nSoftware or Hardware que debe saber: Excel intermedio, manejo de Zendesk\nConocimientos especializados (procesos, tipo de empresas, en que países,estrategias, etc) \nResultados esperados por la posición: Mejora en nuetro nivel de atención a socios\nHabilidades: Estratégico, resolutivo, analítico, comunicación acertiva, con apertura al
cambio\nRequisitos deseables pero no indispensables: Inglés conversacional\n"},{"text":"Beneficios:","content":"\n\n
\nSeguro de gastos médicos mayores, plan de descuentos en salud, odontología y oftalmología para el empleado y familiares directos.
\n\n
\nSeguro de vida.
\n\n
\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.
\n\n
\n30 días de aguinaldo
\n\n
\n20 días de vacaciones.
\n\n
\n50% de prima vacacional.
\n\n
\n13% fondo de ahorro.
\n\n
\n$2,000 MXN en vales de despensa mensual
\n\n
\n$2,000 USD beneficio anual para Co-working travel.
\n\n
\n$2,000 USD beneficio anual para desarrollo profesional.
\n\n\n
Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"Merchant Operations Analyst tendrá la respondabilidad de dar atención especializada a nuestros socios comerciales a nivel nacional, respondiendo correos y WhatsApps desde Zendesk, así cómo ayudar a que diferentes problemas o errores sobre facturación, pagos, fallas en la consola sean solucionados, así como de la comunicación activa de nuevos proyectos o
implementación de mejoras en el producto.
","descriptionBodyPlain":"Merchant Operations Analyst tendrá la respondabilidad de dar atención especializada a nuestros socios comerciales a nivel nacional, respondiendo correos y WhatsApps desde Zendesk, así cómo ayudar a que diferentes problemas o errores sobre facturación, pagos, fallas en la consola sean solucionados, así como de la comunicación activa de nuevos proyectos o\nimplementación de mejoras en el producto.\n","hostedUrl":"https://jobs.lever.co/payjoy/e5b955b1-102d-4573-9184-4f71fe3ecf06","applyUrl":"https://jobs.lever.co/payjoy/e5b955b1-102d-4573-9184-4f71fe3ecf06/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Merchant Operations","allLocations":["Jakarta"]},"createdAt":1773113274324,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Merchant Operations Representative is responsible for running and maintaining processes linked with our commercial team and merchants, providing administrative support, guarantees the effective admin/merchant/clerk (partners) onboarding process, identifying potential risks in current processes, and providing insights to stakeholders. \n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Merchant Operations Representative is responsible for running and maintaining processes linked with our commercial team and merchants, providing administrative support, guarantees the effective admin/merchant/clerk (partners) onboarding process, identifying potential risks in current processes, and providing insights to stakeholders.
","id":"38f1703f-9d3e-4168-b494-fb912c8bd6e3","lists":[{"text":"Responsibilities","content":"\nHandle partners’ queries, support requests, and operational coordination. Act as a subject matter expert regarding specific issues and concerns raised by the partners. \nProvide accurate, valid, and complete information by using the right methods/tools\nManage merchant/partner onboarding, including merchants' documentation in order and filed to facilitate the search when needed (official letters, complaints, etc.), data entry, and record-keeping. \nProvide technical guidance to the customer on using a product or service effectively and efficiently.\nDocument and escalate issues they encounter with the merchant console and escalate complex issues to higher-level support personnel.\n Oversee store-related tasks, including creation, closure, and clerk management. \nOwn the partner communication channel and NPS, by chats, Whatsapp and social networks.\nProvide a weekly report (during a meeting or through a template) and recommendations for better merchant experience for the related managers.\n\n
"},{"text":"Requirements","content":"\nBachelor's degree in industrial engineering, administration, or a related field.\nMore than 1 year of experience in support and/or account management in sectors such as telecommunications, retail, and/or finance.\nSelf-orientation, drive, and ability to communicate clearly and persuasively to customers.\nStrong technology skills (MS Office, CRMs, SQL, Google Suite or Office, especially Excel, etc.) and ZOHO, Zendesk, and other CRM systems\nAbility to communicate their ideas assertively, solve problems effectively, and maintain a constant focus on continuous improvement.\n\n
"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Merchant Operations Representative","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Merchant Operations Representative is responsible for running and maintaining processes linked with our commercial team and merchants, providing administrative support, guarantees the effective admin/merchant/clerk (partners) onboarding process, identifying potential risks in current processes, and providing insights to stakeholders.
","descriptionBodyPlain":"The Merchant Operations Representative is responsible for running and maintaining processes linked with our commercial team and merchants, providing administrative support, guarantees the effective admin/merchant/clerk (partners) onboarding process, identifying potential risks in current processes, and providing insights to stakeholders. \n","hostedUrl":"https://jobs.lever.co/payjoy/38f1703f-9d3e-4168-b494-fb912c8bd6e3","applyUrl":"https://jobs.lever.co/payjoy/38f1703f-9d3e-4168-b494-fb912c8bd6e3/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"Mexico City, CDMX","team":"Lock","allLocations":["Mexico City, CDMX"]},"createdAt":1771439448550,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Product lock analyst - Android security is responsible for testing and helping maintain PayJoy's proprietary device locking technology against various bypass methods and tools, after every OS Over-The-Air (OTA) update, any update to our lock technology itself and any update to the in-market tools.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Product lock analyst - Android security is responsible for testing and helping maintain PayJoy's proprietary device locking technology against various bypass methods and tools, after every OS Over-The-Air (OTA) update, any update to our lock technology itself and any update to the in-market tools.
","id":"33757825-cbdf-4340-b8ea-b87455b71c2f","lists":[{"text":"Responsibilities","content":"\nProactively and systematically test PayJoy's device locking mechanism on a diverse range of Android devices and OS versions following every OTA update.\nConduct thorough, periodic testing of the lock after every update or modification to the PayJoy lock technology. \nActively research, identify, acquire, and utilize existing and emerging lock-breaking tools, software, hardware techniques, and methodologies (e.g., factory reset exploits, bootloader vulnerabilities, ADB exploits, custom ROM flashing, FRP bypass tools) to attempt to bypass the PayJoy lock.\nDevelop, maintain, and execute comprehensive test plans, test cases, and test scenarios specifically focused on lock security, bypass attempts, and anti-tampering features.\nSimulate various attack vectors and user behaviors that could lead to a lock bypass.\nDocument all testing activities, methodologies, findings, discovered vulnerabilities, and precise steps to reproduce in a clear, concise, and actionable manner using our bug tracking system (e.g., JIRA).\nCollaborate closely with Android developers, security engineers, and product managers to report vulnerabilities, discuss root causes, propose mitigation strategies, and verify the effectiveness of fixes.\nProvide detailed reports on test execution, vulnerability status, and overall lock security posture.\nStay continuously updated on the latest Android security vulnerabilities, platform changes, rooting techniques, bootloader unlocking methods, custom firmware, and new bypass tools/techniques relevant to device locking mechanisms.\nMaintain and manage a lab environment with various Android devices, testing tools, and necessary infrastructure.\n"},{"text":"Requirements","content":"\nBachelor’s degree in Computer Science, Cybersecurity, Information Technology, or a related field, or equivalent practical experience.\n3+ years of experience in Quality Assurance, with at least 1-2 years specifically focused on mobile application testing on the Android platform, proven hands-on experience and a strong curiosity for attempting to bypass software-based locks, security mechanisms, or device restrictions.\nStrong understanding of the Android OS architecture, including bootloader, recovery mode, ADB (Android Debug Bridge), fastboot, system partitions, and security features.\nFamiliarity with common Android rooting techniques, custom ROMs (e.g., LineageOS), and tools used for device modification (e.g., Magisk, Xposed Framework – for understanding potential attack vectors).\nExperience with Android debugging tools (e.g., Android Studio, Logcat, Wireshark/tcpdump for network analysis if relevant).\nMeticulous attention to detail, strong analytical, and problem-solving skills.\nExcellent written and verbal communication skills, with the ability to document technical issues clearly and effectively.\nAbility to work independently, manage priorities, and take ownership of assigned tasks in a fast-paced environment.\n"},{"text":"Benefits","content":"\n100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium \n13% Saving funds \n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches\n"}],"text":"Mobile Security Engineer","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Product lock analyst - Android security is responsible for testing and helping maintain PayJoy's proprietary device locking technology against various bypass methods and tools, after every OS Over-The-Air (OTA) update, any update to our lock technology itself and any update to the in-market tools.
","descriptionBodyPlain":"The Product lock analyst - Android security is responsible for testing and helping maintain PayJoy's proprietary device locking technology against various bypass methods and tools, after every OS Over-The-Air (OTA) update, any update to our lock technology itself and any update to the in-market tools.\n","hostedUrl":"https://jobs.lever.co/payjoy/33757825-cbdf-4340-b8ea-b87455b71c2f","applyUrl":"https://jobs.lever.co/payjoy/33757825-cbdf-4340-b8ea-b87455b71c2f/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Merchant Operations","allLocations":["Mexico City, CDMX"]},"createdAt":1779317710657,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Partner Success Analyst is responsible for ensuring the scalability, efficiency, and partner-centered execution of the Merchant Operations team. This role combines process optimization, portfolio management, commission oversight, risk prevention, and actionable insights generation, acting as the key operational bridge between partners and internal teams (CX, KAMs, Tech, FinOps). The ideal candidate is equally capable of designing and standardizing processes as they are of executing day-to-day partner care and operational follow-through.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Partner Success Analyst is responsible for ensuring the scalability, efficiency, and partner-centered execution of the Merchant Operations team. This role combines process optimization, portfolio management, commission oversight, risk prevention, and actionable insights generation, acting as the key operational bridge between partners and internal teams (CX, KAMs, Tech, FinOps). The ideal candidate is equally capable of designing and standardizing processes as they are of executing day-to-day partner care and operational follow-through.
","id":"4b1aa219-577d-4d44-930b-5aedfcdc77be","lists":[{"text":"Responsibilities","content":"\n
Commission Management
\n\n
\nDefine and oversee the end-to-end commission payment process, ensuring accuracy and timeliness.
\n\n
\nValidate commission calculations, rebillings, and complex or non-standard financial cases.
\n\n
\nTrack and follow up on pending invoices and payments; manage communication with partners on status, reminders, and next steps.
\n\n
\nResolve non-standard financial incidents in coordination with FinOps and relevant internal teams.
\n\n
\nMaintain an organized tracking system of all commission and billing pending items.
\n\n\n
\n
Portfolio Management & Partner Care
\n\n
\nActively manage an assigned portfolio of merchant partners, including high-complexity and critical accounts.
\n\n
\nMonitor portfolio health indicators, risks, and opportunities to prevent store closures and operational friction.
\n\n
\nMaintain consistent, structured communication with partners: provide operational education, set clear expectations, and ensure a high-quality partner experience.
\n\n
Support partners through critical situations and edge cases with tailored accompaniment.\n\n
\n
Process & Continuous Improvement
\n\n
\nDocument and standardize operational processes to ensure consistency and scalability.
\n\n
\nIdentify operational friction points and rework, proposing and implementing improvement strategies.
\n\n
\nCreate playbooks, operational guides, and supporting materials for the team.
\n\n
\nExecute defined operational playbooks for incident resolution and partner rehabilitation.
\n\n\n
Insights & Product Bridge
\n\n
\nCentralize and analyze partner feedback to detect recurring patterns, problems, and opportunities.
\n\n
\nTranslate operational needs into actionable inputs for the Product team; track follow-through on implemented improvements.
\n\n
\nAnalyze operational data and metrics to generate insights that drive decision-making and improve partner outcomes.
\n\n\n
Risk Prevention & Incident Management
\n\n
\nIdentify accounts at risk (payment issues, blocks, bad practices) and proactively escalate and follow up on critical cases.
\n\n
\nExecute partner rehabilitation processes as needed.
\n\n
\nCoordinate with internal teams (CX, Tech, KAMs, FinOps) to unblock and resolve escalated issues.
\n\n
\nCollaborate with the fraud team to identify and mitigate field-level fraud risks.
\n\n\n
\n
\n
\n\n
\nBachelor’s degree in Business Administration, Marketing, or a related field.
\n\n
\n2+ years of experience in partner success, account management, commercial operations, or related roles.
\n\n
\nStrong analytical skills with the ability to interpret operational data and generate actionable insights.
\n\n
\nExperience with commission management, financial reconciliation, or billing processes.
\n\n
\nDemonstrated ability to document, optimize, and scale operational processes.
\n\n
\nExcellent communication and interpersonal skills; ability to build strong relationships with partners and cross-functional teams.
\n\n
\nAbility to work effectively under pressure in a fast-changing environment.
\n\n
\nAdvanced English and fluency in Spanish required.
\n\n\n
\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium \n13% Saving funds \n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches\n\n"}],"text":"Partner Success Operations Analyst","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Partner Success Analyst is responsible for ensuring the scalability, efficiency, and partner-centered execution of the Merchant Operations team. This role combines process optimization, portfolio management, commission oversight, risk prevention, and actionable insights generation, acting as the key operational bridge between partners and internal teams (CX, KAMs, Tech, FinOps). The ideal candidate is equally capable of designing and standardizing processes as they are of executing day-to-day partner care and operational follow-through.
","descriptionBodyPlain":"The Partner Success Analyst is responsible for ensuring the scalability, efficiency, and partner-centered execution of the Merchant Operations team. This role combines process optimization, portfolio management, commission oversight, risk prevention, and actionable insights generation, acting as the key operational bridge between partners and internal teams (CX, KAMs, Tech, FinOps). The ideal candidate is equally capable of designing and standardizing processes as they are of executing day-to-day partner care and operational follow-through.\n","hostedUrl":"https://jobs.lever.co/payjoy/4b1aa219-577d-4d44-930b-5aedfcdc77be","applyUrl":"https://jobs.lever.co/payjoy/4b1aa219-577d-4d44-930b-5aedfcdc77be/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Lima","team":"Global Tools and Metrics","allLocations":["Lima"]},"createdAt":1780408679233,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Process Associate is responsible for documenting operations and support team processes with the goal of improving operational efficiency; optimizing knowledge management through the maintenance and adaptation of clear, accessible, and up-to-date documents; and coordinating with stakeholders on their validation and use.
","id":"70655c86-8d10-442a-a995-377d5374f1a6","lists":[{"text":"Responsibilities","content":"\n\n
\nManage request to create, update, and review standard operating procedure (SOP) and knowledge base content; adapting SOP to user-friendly formats (FAQs, interactive guides, videos, presentations, etc.).
\n\n
\nDocument and map operational processes, identifying improvements and ensuring alignment with operational reality and opportunities to increase efficiency and effectiveness. Once approved, communited and upload to Zendesk; ensuring accessibility and clarity, as well as provide process updates for quality assurance and training for validation and implementation.
\n\n
\nMonitor content usage of the knowlegde, collect agent feedback, to propose improvements; creating strategies to improve the user experience within the knowledge base.
\n\n
\nCoordinate with stakeholders (supervisors, managers, product, operations, compliance) to understand their needs, gather requirements, and define process improvement goals and objectives, validate changes and ensure proper implementation of updates.
\n\n
Research best practices in fintech industry processes and ensure the organization of the documentation repository.\n\n
1-2 years of experience in process documentation or knowledge management, as well as customer service.
\n\n\nProficiency in tools such as Zendesk/Talkdesk, Visio/Lucidchart/Miro, Microsoft Office/Google Workspace, and Canva.
\n\n\nThe ability to collect, analyze, and utilize data to make informed decisions is essential.
\n\n\nAbility to graphically represent existing and proposed processes, and ability to present to non-expert stakeholders.
\n\n"},{"text":"Benefits","content":"\n\n
100% Company-funded Health for employees and immediate family members.\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n\n"}],"text":"Process Associate","country":"PE","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Process Associate is responsible for documenting operations and support team processes with the goal of improving operational efficiency; optimizing knowledge management through the maintenance and adaptation of clear, accessible, and up-to-date documents; and coordinating with stakeholders on their validation and use.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/70655c86-8d10-442a-a995-377d5374f1a6","applyUrl":"https://jobs.lever.co/payjoy/70655c86-8d10-442a-a995-377d5374f1a6/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Johannesburg","team":"Sales","allLocations":["Johannesburg"]},"createdAt":1777279349132,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Promoter Coordinator plays a vital operational role within the South Africa Go to Market team, supporting the effective deployment, administration, and day-to-day coordination of Brand Ambassadors (BAs) across PayJoy’s retail and kiosk network. Reporting to the National Sales Manager, this role bridges field execution and management oversight by ensuring promoter records are accurate, onboarding is completed on time, performance is monitored, and first-level issues are resolved efficiently. The Promoter Coordinator enables the sales team to operate at scale by providing structured administrative and operational support that drives BA productivity and compliance.
\n
\n\n
BA Onboarding & Registration: Administer the dissemination of registration links for new Brand Ambassadors, track completion status, and ensure all BAs are fully registered and activated ahead of launch dates. Coordinate logistics for onboarding communications and virtual or in-person training sessions.\nBA Master File Management: Maintain and update the BA Master File with accurate contact details, store assignments, performance status, and any changes resulting from movements, terminations, or new placements. Ensure records are current and accessible at all times.\nDaily Sales Monitoring & First-Level Follow-Up: Check daily sales performance across the BA network using dashboards. Proactively follow up with underperforming or non-compliant BAs and escalate persistent issues for further action.\nPromoter Movements & Transitions: Document and communicate approved promoter transfers between stores or regions. Liaise with agencies and field teams to ensure smooth transitions and that all system records reflect updated assignments timeously.\nAgency Liaison & Coordination: Act as a first point of contact for agencies on minor staffing changes, BA availability queries, and day-to-day coordination tasks. Support bi-weekly agency check-ins by preparing relevant performance updates and flagging operational bottlenecks.\nFraud Training Coordination: Coordinate the logistics of fraud training sessions for BAs, including scheduling, attendance tracking, and distribution of training invites. Support the review and escalation of flagged BA profiles\nReporting & Dashboard Support: Extract and compile structured weekly performance reports from available dashboards for review. Flag non-compliance, attendance concerns, and sales trends proactively.\nPayJoy Connect & Continuous Training: Ensure Brand Ambassadors have access to up-to-date training content on and track assessment completion as part of ongoing compliance requirements.\n\n"},{"text":"Requirements","content":"\n\n
Minimum 2–3 years of experience in a sales support, field coordination, or administrative role within a sales or marketing environment.\nAdvanced use of Google Sheets for reporting and analysis.\nBasic SQL knowledge for data queries and reporting integrity.\nExcellent analytical and problem-solving skills.\nAbility to manage cross-functional processes and stakeholders.\nStrong communication and reporting skills.\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\nPension Fund\nCompany-funded employee life and disability insurance\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n\n"}],"text":"Promoter Coordinator","country":"ZA","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Promoter Coordinator plays a vital operational role within the South Africa Go to Market team, supporting the effective deployment, administration, and day-to-day coordination of Brand Ambassadors (BAs) across PayJoy’s retail and kiosk network. Reporting to the National Sales Manager, this role bridges field execution and management oversight by ensuring promoter records are accurate, onboarding is completed on time, performance is monitored, and first-level issues are resolved efficiently. The Promoter Coordinator enables the sales team to operate at scale by providing structured administrative and operational support that drives BA productivity and compliance.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Jakarta","team":"Merchant Operations","allLocations":["Jakarta"]},"createdAt":1773108581036,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Promoter Manager is responsible for managing promoter agencies and team leaders to develop and execute a nationwide demand generation strategy that aligns with PayJoy’s sales goals. This position combines strategic oversight with hands-on execution, ensuring that promoter initiatives effectively drive customer engagement and sales growth. You will set and review performance targets, assess promoter effectiveness, and collaborate with cross-functional teams to create integrated plans for launches of new partners and stores that require promoters. This role requires a dynamic leader who embodies PayJoy’s values and is dedicated to fostering a high-performing sales team.\n \nThis position will report to the Head of Commercial and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Promoter Manager is responsible for managing promoter agencies and team leaders to develop and execute a nationwide demand generation strategy that aligns with PayJoy’s sales goals. This position combines strategic oversight with hands-on execution, ensuring that promoter initiatives effectively drive customer engagement and sales growth. You will set and review performance targets, assess promoter effectiveness, and collaborate with cross-functional teams to create integrated plans for launches of new partners and stores that require promoters. This role requires a dynamic leader who embodies PayJoy’s values and is dedicated to fostering a high-performing sales team.
\n
\nThis position will report to the Head of Commercial and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.
","id":"5f8982e7-fcb7-48c2-b244-3b164a0bb501","lists":[{"text":"Responsibilities","content":"\nOversee relationships with promoter agencies, ensuring they adhere to PayJoy’s brand values and operational standards. Provide guidance and support to agency partners to enhance their effectiveness in executing campaigns;\nDevelop and implement effective promoter deployment strategic plans, forecasts, and goals to achieve targeted revenue growth and market penetration in the assigned region with minimal risk; conduct weekly reviews of these targets to assess progress, identify challenges, and adjust strategies as necessary to ensure alignment with sales goals;\nWork closely with marketing leaders, finance, and sales teams to create integrated marketing plans and budgets. Ensure that all marketing initiatives are aligned with overall business objectives and supported by adequate resources;\nProvide regular reports on the performance of promoter initiatives, including ROI analysis, campaign effectiveness, and recommendations for future improvements. Present findings to senior management and stakeholders; and\nWork with the fraud team to train and curb fraud in stores to ensure healthy and steady growth levels.\n\n
"},{"text":"Requirements","content":"\nAligned with PayJoy’s principles and cultures;\nMUST HAVE strong commercial acumen with a proven 5+ years track record of closing, managing, and growing promoter agencies that are capable of providing 500+ Promoters/Brand Ambassador/Sales Rep/Sales associate - it’s a plus if you are from financial institutions;\nProfessional experience leading a field & training team and reporting to the executive team with a data-driven approach;\nExceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in English and Indonesian;\nWilling to work on-site in Jakarta;\nComfortable working on Google Suite (Sheet, Docs, Slides, etc.), CRM (Zoho & Zendesk), communication (Slack), data analytics, and project management tools (Hex and Jira);\nBachelor’s degree or equivalent;\nInterested in growing your career as a sales professional and manager;\nMust be detail-oriented and process-oriented, and have experience working with robust SLAs; and\nPrevious technical experience is a plus.\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Promoter Manager","country":"ID","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Promoter Manager is responsible for managing promoter agencies and team leaders to develop and execute a nationwide demand generation strategy that aligns with PayJoy’s sales goals. This position combines strategic oversight with hands-on execution, ensuring that promoter initiatives effectively drive customer engagement and sales growth. You will set and review performance targets, assess promoter effectiveness, and collaborate with cross-functional teams to create integrated plans for launches of new partners and stores that require promoters. This role requires a dynamic leader who embodies PayJoy’s values and is dedicated to fostering a high-performing sales team.
\n
\nThis position will report to the Head of Commercial and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.
","descriptionBodyPlain":"The Promoter Manager is responsible for managing promoter agencies and team leaders to develop and execute a nationwide demand generation strategy that aligns with PayJoy’s sales goals. This position combines strategic oversight with hands-on execution, ensuring that promoter initiatives effectively drive customer engagement and sales growth. You will set and review performance targets, assess promoter effectiveness, and collaborate with cross-functional teams to create integrated plans for launches of new partners and stores that require promoters. This role requires a dynamic leader who embodies PayJoy’s values and is dedicated to fostering a high-performing sales team.\n \nThis position will report to the Head of Commercial and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.\n","hostedUrl":"https://jobs.lever.co/payjoy/5f8982e7-fcb7-48c2-b244-3b164a0bb501","applyUrl":"https://jobs.lever.co/payjoy/5f8982e7-fcb7-48c2-b244-3b164a0bb501/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Merchant Operations","allLocations":["Mexico City, CDMX"]},"createdAt":1774475409138,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Promoter Manager is responsible for managing field marketing agencies and teams of fields to develop and execute a national demand generation strategy that effectively drives customer engagement and sales growth. \n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Promoter Manager is responsible for managing field marketing agencies and teams of fields to develop and execute a national demand generation strategy that effectively drives customer engagement and sales growth.
","id":"827d6e1c-7404-4459-a96b-4cbdd94e192a","lists":[{"text":"Responsibilities","content":"
\n\nLead the development and execution of a regional demand generation strategy that drives brand awareness and sales performance.\nOversee relationships with field marketing agencies, ensuring they adhere to brand values and operational standards.\nProvide guidance and support to agency partners to enhance their effectiveness in executing campaigns.\nEstablish and implement clear, measurable performance targets for field marketing teams.\nConduct daily reviews of these targets to assess progress, identify challenges, and adjust strategies as necessary to ensure alignment with sales goals.\nCoordinate and assign promoter personnel and design contract scalability models for each commercial partner, monitoring and evaluating the effectiveness of activities.\nAnalyze sales data and marketing metrics to identify trends, successes, and areas for improvement.\nWork closely with senior marketing leaders, finance, and sales teams to create integrated marketing plans and budgets.\nEnsure that all marketing initiatives are aligned with overall business objectives and supported by adequate resources.\nProvide regular reports on the performance of field marketing initiatives, including ROI analysis, campaign effectiveness, and recommendations for future improvements.\nMonitor market trends and competitors.\nWork with the fraud team to train and curb fraud in the field to ensure healthy and steady growth levels.\n"},{"text":"Qualifications","content":"\nBachelor’s degree in Marketing, Business Administration, or a related field.\nMinimum of 4 years of experience in field marketing, sales management, or related roles, with focus on managing teams and agencies.\nAnalytical skills with the ability to interpret complex data and derive actionable insights.\nExperience in budget management and financial analysis, with a strong understanding of marketing metrics with an early stage startup.\nDemonstrated ability to work under high changing and pressure situations.\nExcellent communication and interpersonal skills, with a talent for building relationships and collaborating across teams.\nSkills to train and motivate the promotion team to be successful in executing their role\n"},{"text":"Benefits","content":"\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium\n13% Saving funds\n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches\n\n"}],"text":"Promoter Manager","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Promoter Manager is responsible for managing field marketing agencies and teams of fields to develop and execute a national demand generation strategy that effectively drives customer engagement and sales growth.
","descriptionBodyPlain":"The Promoter Manager is responsible for managing field marketing agencies and teams of fields to develop and execute a national demand generation strategy that effectively drives customer engagement and sales growth. \n","hostedUrl":"https://jobs.lever.co/payjoy/827d6e1c-7404-4459-a96b-4cbdd94e192a","applyUrl":"https://jobs.lever.co/payjoy/827d6e1c-7404-4459-a96b-4cbdd94e192a/apply"},{"additionalPlain":"Principios de PayJoy\n \nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.\n","additional":"Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Medellín, Antioquia","team":"Sales","allLocations":["Medellín, Antioquia"]},"createdAt":1780604973947,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
El representante de ventas es responsable de incrementar la originación e integración de nuevos socios en el territorio asignado, construyendo y manteniendo relaciones sólidas con los minoristas y distribuidores asociados; através de trabajo en campo (visitar tiendas) o la venta directa en kioskos, para brindar apoyo, capacitación, implementación de campañas de incentivos y marketing dirigido, a fin de asegurar el cumpliento y superando los objetivos de venta y productividad.
","id":"ad53d9dc-dc04-4684-b59e-7611724a079e","lists":[{"text":"Responsabilidades","content":"\n\n
\nLograr el cumplimiento de la meta mensual asignada de ventas, activación de tiendas y control de la tasa de morosidad en el territorio bajo su responsabilidad, aumentando la productividad, la participación de mercado y generando nuevas oportunidades no relacionadas con el punto de venta, incluyendo la venta a través de kioskos.
\n\n\n\n
\nAsegurar la continuidad de ventas mes a mes con los clientes del territorio asignado.
\n\n
\nDesarrollar una relación comercial de alto valor con los clientes, brindando una atención personalizada en cada etapa, siendo un consultor estratégico para el crecimiento de cada cliente con PayJoy.
\n\n
\nCumplimiento de plan de visitas en su territorio, asegurar la correcta implementación de materiales publicitarios y detectar oportunidades que ayuden al crecimiento del socio y activar campañas de incentivos.
\n\n
\nGenerar estrategias para incrementar las ventas en el territorio asignado, incluyendo el análisis del mercado y competencia para identificar tendencias y oportunidades de ventas.
\n\n
\nIdentificar y contactar nuevos socios comerciales, asegurándose de que cumplan con los requisitos y activándose una vez autorizados.
\n\n
\nMantener actualizada la base de datos de clientes y registrar todas las interacciones y ventas realizadas. Elaborar informes de ventas y análisis de desempeño para la gerencia.
\n\n\n
\n\n
\nEstudios técnicos o universitarios en áreas relacionadas como Administración de Empresas, Comunicaciones o afines.
\n\n
\nExperiencia 1-2 años en Atención al Cliente, Ventas en Software, dispositivos móviles o de Campo, en industria de telecomunicaciones.
\n\n
\nFuertes habilidades interpersonales y de comunicación para establecer relaciones eficaces y capacitar al personal de los socios comerciales.
\n\n
\nOrientación a los resultados, por lo que la proactividad, organización, perseverancia y la resiliencia son atributos esenciales.
\n\n
\nPara garantizar el éxito, necesita tener habilidades analíticas y sólidas de negociación, ya que estará a cargo del desempeño y las ventas de la tienda.
\n\n
\nDisponibilidad para viajar a visitar tiendas, deberá contar con transporte propio para cubrir zonas asignadas.( Auto o motocicleta).
\n\n\n
Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"El representante de ventas es responsable de incrementar la originación e integración de nuevos socios en el territorio asignado, construyendo y manteniendo relaciones sólidas con los minoristas y distribuidores asociados; através de trabajo en campo (visitar tiendas) o la venta directa en kioskos, para brindar apoyo, capacitación, implementación de campañas de incentivos y marketing dirigido, a fin de asegurar el cumpliento y superando los objetivos de venta y productividad.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/ad53d9dc-dc04-4684-b59e-7611724a079e","applyUrl":"https://jobs.lever.co/payjoy/ad53d9dc-dc04-4684-b59e-7611724a079e/apply"},{"additionalPlain":"Principios de PayJoy\n \nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.\n","additional":"Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Sales","allLocations":["Mexico City, CDMX"]},"createdAt":1780006445682,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
El Business Development Retail Manager existe para liderar el crecimiento sostenible y rentable de la red de puntos de venta de PayJoy México, siendo responsable de la funcionalidad operativa y comercial de los puntos PayJoy. Este rol es estratégico para el negocio porque conecta la visión comercial de la compañía con la ejecución diaria en tienda: asegura que cada punto de venta cuente con el inventario correcto, opere con métricas de riesgo crediticio saludables, ejecute promociones y campañas de manera efectiva, y alcance sus cuotas de venta. Al gestionar rutas de supervisión y resolver incidencias operativas de forma oportuna, esta posición reduce la variabilidad entre tiendas, protege los márgenes del negocio y garantiza una experiencia de cliente consistente en toda la red.
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El candidato ideal es un líder de campo con experiencia probada en la gestión de redes de retail o distribución, capaz de combinar pensamiento estratégico con ejecución operativa de alto nivel. Tiene sólidas habilidades analíticas para interpretar métricas de inventario, ventas y riesgo, y las traduce en decisiones y planes de acción concretos. Es un comunicador efectivo que sabe influir y motivar a equipos de tienda, gestiona múltiples prioridades simultáneamente y mantiene altos estándares de ejecución bajo presión. Conoce la dinámica del canal de telecomunicaciones o consumo masivo y entiende cómo el desempeño en punto de venta impacta directamente en la rentabilidad y calidad de cartera del negocio.
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• Aseguramiento de niveles de inventario en toda la red: Diseñar y supervisar el proceso de control de inventarios en todos los puntos de venta, coordinando con supply chain para garantizar niveles de stock óptimos que eliminen situaciones de desabasto o sobrestock, protegiendo la disponibilidad de producto para la venta y evitando capital inmovilizado que afecte la rentabilidad operativa.
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• Mantenimiento de métricas crediticias y de riesgo saludables: Monitorear de forma continua los indicadores de First Payment Default (FPD), mora temprana y otros indicadores de riesgo crediticio por punto de venta, identificando tiendas con comportamiento atípico e implementando planes de acción conjuntos con los equipos de riesgo para mejorar la calidad de la originación y proteger la cartera del negocio.
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• Diseño y ejecución de promociones y campañas comerciales: Liderar el diseño de promociones y campañas orientadas a incrementar la colocación y conversión en los puntos de venta, asegurando que los materiales de comunicación (POP, señalética, ofertas) lleguen a tiempo a las tiendas, se ejecuten correctamente en piso y se evalúe su impacto mediante métricas claras de retorno para alimentar futuras decisiones comerciales.
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• Gestión de rutas de supervisión y cuotas por punto de venta: Diseñar y administrar las rutas de visita y supervisión a la red de tiendas, asignando cuotas de venta diferenciadas por punto de venta con base en su potencial de mercado e historial de desempeño, y asegurando que cada tienda tenga objetivos claros, planes de trabajo definidos y seguimiento periódico para alcanzar o superar sus metas comerciales.
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• Resolución de incidencias operativas: Atender y resolver de manera oportuna las incidencias operativas reportadas por tiendas (problemas de sistema, discrepancias de precio, faltantes de material, conflictos operativos), priorizando su impacto en el negocio y coordinando con las áreas internas correspondientes (TI, supply chain, finanzas, riesgo) para garantizar la continuidad operativa de cada punto de venta.
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• Gestión y desarrollo del desempeño de la red: Realizar visitas periódicas de campo para evaluar la ejecución operativa y comercial de las tiendas, brindar retroalimentación estructurada a los equipos de punto de venta, identificar brechas de desempeño y diseñar planes de mejora que eleven el estándar de ejecución de toda la red de manera consistente.
\n
• Generación de reportes e inteligencia comercial: Consolidar y analizar los datos de ventas, inventario, riesgo y cumplimiento de KPIs de la red en reportes ejecutivos periódicos para la dirección comercial, identificando tendencias, oportunidades de negocio y riesgos operativos con anticipación suficiente para actuar antes de que impacten significativamente los resultados del negocio.
\n
• Colaboración estratégica con áreas internas: Actuar como el principal interlocutor entre la red de tiendas y las áreas de supply chain, marketing, riesgo, finanzas y tecnología, asegurando que las decisiones corporativas se traduzcan en ejecución efectiva en campo y que las necesidades operativas de los puntos de venta sean representadas y atendidas en los foros internos correspondientes.
\n
• Educación: Licenciatura concluida en Administración de Empresas, Mercadotecnia, Ingeniería Industrial, Economía o carrera afín.
\n• Experiencia: Mínimo 5 años de experiencia en roles de gestión de retail, desarrollo de negocios, supervisión de redes de distribución o gerencia de ventas en canal físico, preferentemente en industrias de telecomunicaciones, consumo masivo o servicios financieros.
\n• Gestión de equipos y territorios: Experiencia comprobable liderando o supervisando redes de múltiples puntos de venta (20+ PDV), incluyendo diseño de rutas, asignación de cuotas y seguimiento de desempeño por tienda.
\n• Análisis de datos y herramientas: Nivel intermedio-avanzado en Excel o Google Sheets; capacidad de leer e interpretar dashboards de ventas, inventario y riesgo para la toma de decisiones.
\n• Disponibilidad de campo: Alta disponibilidad para realizar visitas frecuentes a puntos de venta en toda la zona asignada viajes nacionales según necesidad del negocio).
\nDeseable:
\n\nExperiencia previa en la industria de telecomunicaciones o en la comercialización de equipos celulares con esquemas de financiamiento o crédito al consumidor.\nConocimiento de métricas de riesgo crediticio en originación (FPD, tasa de aprobación, mora temprana) y su relación con prácticas de venta en punto de venta.\nExperiencia en el diseño y evaluación de promociones comerciales (mecánicas, materiales POP, medición de ROI) orientadas a canales de venta masivos.\nManejo de herramientas de inteligencia comercial o BI (Power BI, Tableau, Looker Studio) para análisis de desempeño de red y construcción de reportes ejecutivos.\nInglés nivel intermedio-avanzado para comunicación con equipos regionales y lectura de reportes corporativos.\n"},{"text":" Beneficios:","content":"\n\n
\nSeguro de gastos médicos mayores, plan de descuentos en salud, odontología y oftalmología para el empleado y familiares directos.
\n\n
\nSeguro de vida.
\n\n
\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.
\n\n
\n30 días de aguinaldo
\n\n
\n20 días de vacaciones.
\n\n
\n50% de prima vacacional.
\n\n
\n13% fondo de ahorro.
\n\n
\n$2,000 MXN en vales de despensa mensual
\n\n
\n$2,000 USD beneficio anual para Co-working travel.
\n\n
\n$2,000 USD beneficio anual para desarrollo profesional.
\n\n\n
Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"El Business Development Retail Manager existe para liderar el crecimiento sostenible y rentable de la red de puntos de venta de PayJoy México, siendo responsable de la funcionalidad operativa y comercial de los puntos PayJoy. Este rol es estratégico para el negocio porque conecta la visión comercial de la compañía con la ejecución diaria en tienda: asegura que cada punto de venta cuente con el inventario correcto, opere con métricas de riesgo crediticio saludables, ejecute promociones y campañas de manera efectiva, y alcance sus cuotas de venta. Al gestionar rutas de supervisión y resolver incidencias operativas de forma oportuna, esta posición reduce la variabilidad entre tiendas, protege los márgenes del negocio y garantiza una experiencia de cliente consistente en toda la red.
\n
\n\n
El candidato ideal es un líder de campo con experiencia probada en la gestión de redes de retail o distribución, capaz de combinar pensamiento estratégico con ejecución operativa de alto nivel. Tiene sólidas habilidades analíticas para interpretar métricas de inventario, ventas y riesgo, y las traduce en decisiones y planes de acción concretos. Es un comunicador efectivo que sabe influir y motivar a equipos de tienda, gestiona múltiples prioridades simultáneamente y mantiene altos estándares de ejecución bajo presión. Conoce la dinámica del canal de telecomunicaciones o consumo masivo y entiende cómo el desempeño en punto de venta impacta directamente en la rentabilidad y calidad de cartera del negocio.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Financial Products","location":"Bangalore","team":"Risk Strategy","allLocations":["Bangalore"]},"createdAt":1775577601446,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nWe are looking for a Risk Manager to own the credit risk analytical function for PayJoy’s Philippines business, based in our Bangalore hub. You will be given clear direction on the problems to solve and the frameworks to work within, and it will be your job to execute that work independently and drive it to conclusion with minimal hand-holding.\nThis is a hands-on individual contributor role. You will be in the data every day — monitoring portfolio performance, analyzing policy changes, building and maintaining the reporting infrastructure that keeps the Philippines credit risk function running. You are someone who takes full ownership of your workstreams, proactively flags risks, and doesn’t need to be chased for updates. This role has a clear path to team leadership as the Philippines business grows.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We are looking for a Risk Manager to own the credit risk analytical function for PayJoy’s Philippines business, based in our Bangalore hub. You will be given clear direction on the problems to solve and the frameworks to work within, and it will be your job to execute that work independently and drive it to conclusion with minimal hand-holding.
\n
This is a hands-on individual contributor role. You will be in the data every day — monitoring portfolio performance, analyzing policy changes, building and maintaining the reporting infrastructure that keeps the Philippines credit risk function running. You are someone who takes full ownership of your workstreams, proactively flags risks, and doesn’t need to be chased for updates. This role has a clear path to team leadership as the Philippines business grows.
\n
\n\n
Monitor and analyze credit portfolio performance for the Philippines business, tracking key risk metrics and producing regular reporting for senior stakeholders\nExecute data-driven analyses to assess the impact of credit policy changes before and after implementation, working within the framework set by senior risk leadership\nBuild and maintain analytical tools, dashboards, and automated reports using SQL and Python to support ongoing risk monitoring and reduce manual effort\nApply and track predictive credit models in production — flagging performance changes, documenting findings, and surfacing recommendations to senior leadership\nLeverage modern AI-powered developer tools (such as Claude Code) to automate recurring processes and improve the reliability of credit risk workflows\nWork closely with Philippines country operations, collections, and product teams to ensure credit risk considerations are reflected in day-to-day decisions\nSupport compliance with BSP (Bangko Sentral ng Pilipinas) requirements and other applicable regulatory obligations for the Philippines market\nGrow into a team leadership role as the Philippines business and Bangalore hub scale — this is an IC position today with a supported and well-defined path to managing others\n\n"},{"text":"Requirements","content":"\n\n
4–7 years of experience in credit risk, consumer lending, or a closely related analytical role\nExperience with Southeast Asian lending markets preferred; familiarity with the Philippines consumer finance landscape or BSP regulatory environment is a strong plus\nStrong track record of independently owning analytical projects from brief through to delivery, without requiring significant oversight\nSolid technical skills in SQL and Python — you use these tools to do real work, not just to demonstrate proficiency\nExposure to credit scoring models or ML-based risk tools; comfortable interrogating model outputs and translating them into clear findings\nComfortable using modern AI tools to automate recurring tasks and improve analytical throughput\nHighly organized and reliable — you keep your work on track, communicate proactively, and close your loops\nClear written and verbal communication skills; able to present findings to both technical peers and non-technical business stakeholders\nComfortable working across time zones to collaborate with Philippines-based operations teams\nEnglish required; Filipino language skills are a plus\n\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n\n"}],"text":"Risk Manager","country":"IN","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We are looking for a Risk Manager to own the credit risk analytical function for PayJoy’s Philippines business, based in our Bangalore hub. You will be given clear direction on the problems to solve and the frameworks to work within, and it will be your job to execute that work independently and drive it to conclusion with minimal hand-holding.
\n
This is a hands-on individual contributor role. You will be in the data every day — monitoring portfolio performance, analyzing policy changes, building and maintaining the reporting infrastructure that keeps the Philippines credit risk function running. You are someone who takes full ownership of your workstreams, proactively flags risks, and doesn’t need to be chased for updates. This role has a clear path to team leadership as the Philippines business grows.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Johannesburg","team":"Sales","allLocations":["Johannesburg"]},"createdAt":1774335213521,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Sales Enablement Representative at PayJoy drives the design, maintenance, and optimization of the sales enablement ecosystem in South Africa. They ensure sales teams, promoters, and clerks have the tools, knowledge, and systems to boost merchant performance, customer acquisition, and compliance. The role manages training infrastructure, reporting, promoter lifecycle, and merchant education programs. \n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Sales Enablement Representative at PayJoy drives the design, maintenance, and optimization of the sales enablement ecosystem in South Africa. They ensure sales teams, promoters, and clerks have the tools, knowledge, and systems to boost merchant performance, customer acquisition, and compliance. The role manages training infrastructure, reporting, promoter lifecycle, and merchant education programs.
","id":"2e4a7a12-6ba8-4324-9ca6-7de2478175d8","lists":[{"text":"Responsibilities","content":"\n\n
Track and analyze sales data to provide actionable insights for leadership. \nOversee promoter onboarding, updates, compliance, and engagement tracking.\nMaintain PayJoy Connect accuracy, training modules, and compliance standards.\nDesign and update training materials aligned with policies and product changes.\nEvaluate training outcomes to identify gaps and recommend improvements.\nManage clerk registration, training, and portal engagement for merchant partners.\nStreamline clerk onboarding workflows and ensure data integrity across regions.\nThrive in a fast‑paced environment by adjusting quickly to evolving priorities and challenges.\n\n"},{"text":"Requirements","content":"\nExpertise in training design, delivery, and performance reporting.\nProficiency in system administration (Google Sites, PayJoy Connect platforms).\nAdvanced use of Google Sheets for reporting and analysis.\nBasic SQL knowledge for data queries and reporting integrity.\nExcellent analytical and problem-solving skills.\nAbility to manage cross-functional processes and stakeholders.\nStrong communication and reporting skills.\n"},{"text":"Benefits","content":"\n\n
100% Company Funded : Private Health Insurance for employee and immediate family\n
Pension Fund\n
Company-funded employee life and disability insurance\n
20 days vacation, unlimited sick leave\n
$2,000 USD annual Co-working Travel perk\n
$2,000 USD annual Professional Development perk\n
Phone Finance, headphone benefit, home office equipment allowance and wellness perks\n
Catered Lunch\n\n
\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Sales Enablement Representative at PayJoy drives the design, maintenance, and optimization of the sales enablement ecosystem in South Africa. They ensure sales teams, promoters, and clerks have the tools, knowledge, and systems to boost merchant performance, customer acquisition, and compliance. The role manages training infrastructure, reporting, promoter lifecycle, and merchant education programs.
","descriptionBodyPlain":"The Sales Enablement Representative at PayJoy drives the design, maintenance, and optimization of the sales enablement ecosystem in South Africa. They ensure sales teams, promoters, and clerks have the tools, knowledge, and systems to boost merchant performance, customer acquisition, and compliance. The role manages training infrastructure, reporting, promoter lifecycle, and merchant education programs. \n","hostedUrl":"https://jobs.lever.co/payjoy/2e4a7a12-6ba8-4324-9ca6-7de2478175d8","applyUrl":"https://jobs.lever.co/payjoy/2e4a7a12-6ba8-4324-9ca6-7de2478175d8/apply"},{"additionalPlain":"Principios de PayJoy\n \nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.\n","additional":"Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Latacunga","team":"Sales","allLocations":["Latacunga"]},"createdAt":1780334776011,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n\n\nEl representante de ventas es responsable de incrementar la originación e integración de nuevos socios en el territorio asignado, construyendo y manteniendo relaciones sólidas con los minoristas y distribuidores asociados; através de trabajo en campo (visitar tiendas) o la venta directa en kioskos, para brindar apoyo, capacitación, implementación de campañas de incentivos y marketing dirigido, a fin de asegurar el cumpliento y superando los objetivos de venta y productividad.\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
\n
El representante de ventas es responsable de incrementar la originación e integración de nuevos socios en el territorio asignado, construyendo y manteniendo relaciones sólidas con los minoristas y distribuidores asociados; através de trabajo en campo (visitar tiendas) o la venta directa en kioskos, para brindar apoyo, capacitación, implementación de campañas de incentivos y marketing dirigido, a fin de asegurar el cumpliento y superando los objetivos de venta y productividad.
\n
\n\n
Lograr el cumplimiento de la meta mensual asignada de ventas, activación de tiendas y control de la tasa de morosidad en el territorio bajo su responsabilidad, aumentando la productividad, la participación de mercado y generando nuevas oportunidades no relacionadas con el punto de venta, incluyendo la venta a través de kioskos.\nAsegurar la continuidad de ventas mes a mes con los clientes del territorio asignado.\nDesarrollar una relación comercial de alto valor con los clientes, brindando una atención personalizada en cada etapa, siendo un consultor estratégico para el crecimiento de cada cliente con PayJoy.\nCumplimiento de plan de visitas en su territorio, asegurar la correcta implementación de materiales publicitarios y detectar oportunidades que ayuden al crecimiento del socio y activar campañas de incentivos.\nGenerar estrategias para incrementar las ventas en el territorio asignado, incluyendo el análisis del mercado y competencia para identificar tendencias y oportunidades de ventas.\nIdentificar y contactar nuevos socios comerciales, asegurándose de que cumplan con los requisitos y activándose una vez autorizados.\nMantener actualizada la base de datos de clientes y registrar todas las interacciones y ventas realizadas. Elaborar informes de ventas y análisis de desempeño para la gerencia.\n\n"},{"text":"Requerimientos:","content":"\n\n
\nEstudios técnicos o universitarios en áreas relacionadas como Administración de Empresas, Comunicaciones o afines.
\n\n
\nExperiencia 1-2 años en Atención al Cliente, Ventas en Software, dispositivos móviles o de Campo, en industria de telecomunicaciones.
\n\n
\nFuertes habilidades interpersonales y de comunicación para establecer relaciones eficaces y capacitar al personal de los socios comerciales.
\n\n
\nOrientación a los resultados, por lo que la proactividad, organización, perseverancia y la resiliencia son atributos esenciales.
\n\n
\nPara garantizar el éxito, necesita tener habilidades analíticas y sólidas de negociación, ya que estará a cargo del desempeño y las ventas de la tienda.
\n\n
\nDisponibilidad para viajar a visitar tiendas, deberá contar con transporte propio para cubrir zonas asignadas.( Auto o motocicleta).
\n\n\n
Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"\n
El representante de ventas es responsable de incrementar la originación e integración de nuevos socios en el territorio asignado, construyendo y manteniendo relaciones sólidas con los minoristas y distribuidores asociados; através de trabajo en campo (visitar tiendas) o la venta directa en kioskos, para brindar apoyo, capacitación, implementación de campañas de incentivos y marketing dirigido, a fin de asegurar el cumpliento y superando los objetivos de venta y productividad.
\n
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.
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\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Zambales/Bataan","team":"Sales","allLocations":["Zambales/Bataan"]},"createdAt":1772698618171,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.
","id":"ebc2f04a-8656-476e-a62c-501b0248cf2a","lists":[{"text":"Responsibilities","content":"\nEnsure the monthly sales and store activation targets in the area under your responsibility are met by increasing merchant productivity, and overall company market share.\nEnsure that merchants who sold in the prior month are also selling in the current month.\nDevelop the relationship with merchants to keep the account of existing members healthy/stable, responding to requests and solving problems in the conversion to final customer with the PayJoy platform.\nVisit stores to train sales teams, promote marketing materials, and activate incentive campaigns.\nGenerate strategies to increase sales in the assigned area, including market and competition analysis to identify trends and sales opportunities.\nIdentify and contact new business partners, ensuring they meet the requirements and activating them once authorized.\nKeep the customer database updated and record all interactions and sales made. Prepare sales reports and performance analysis for management.\n"},{"text":"Requirements","content":"\nTechnical or university studies in related areas such as Business Administration, Communications or similar.\n1-2 years of experience in Customer Service, Software Sales, mobile devices or Field, in the telecommunications industry.\nStrong interpersonal and communication skills to establish effective relationships and train business partner personnel.\nOrientation to results, so proactivity, organization, perseverance and resilience are essential attributes.\nTo ensure success, you need to have strong analytical and negotiation skills as you will be in charge of store performance and sales.\nAvailability to travel to visit stores, you must have personal transportation to cover assigned areas. (Car or Motorcycle)\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n"}],"text":"Sales Representative (Zambales/Bataan)","country":"PH","workplaceType":"onsite","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.
","descriptionBodyPlain":"The sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.\n","hostedUrl":"https://jobs.lever.co/payjoy/ebc2f04a-8656-476e-a62c-501b0248cf2a","applyUrl":"https://jobs.lever.co/payjoy/ebc2f04a-8656-476e-a62c-501b0248cf2a/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Zamboanga","team":"Sales","allLocations":["Zamboanga"]},"createdAt":1772699074355,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.
","id":"cd9049ed-0f4b-49e2-9b00-508b5ee6d685","lists":[{"text":"Responsibilities","content":"\nEnsure the monthly sales and store activation targets in the area under your responsibility are met by increasing merchant productivity, and overall company market share.\nEnsure that merchants who sold in the prior month are also selling in the current month.\nDevelop the relationship with merchants to keep the account of existing members healthy/stable, responding to requests and solving problems in the conversion to final customer with the PayJoy platform.\nVisit stores to train sales teams, promote marketing materials, and activate incentive campaigns.\nGenerate strategies to increase sales in the assigned area, including market and competition analysis to identify trends and sales opportunities.\nIdentify and contact new business partners, ensuring they meet the requirements and activating them once authorized.\nKeep the customer database updated and record all interactions and sales made. Prepare sales reports and performance analysis for management.\n"},{"text":"Requirements","content":"\nTechnical or university studies in related areas such as Business Administration, Communications or similar.\n1-2 years of experience in Customer Service, Software Sales, mobile devices or Field, in the telecommunications industry.\nStrong interpersonal and communication skills to establish effective relationships and train business partner personnel.\nOrientation to results, so proactivity, organization, perseverance and resilience are essential attributes.\nTo ensure success, you need to have strong analytical and negotiation skills as you will be in charge of store performance and sales.\nAvailability to travel to visit stores, you must have personal transportation to cover assigned areas. (Car or Motorcycle)\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n"}],"text":"Sales Representative (Zamboanga)","country":"PH","workplaceType":"onsite","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.
","descriptionBodyPlain":"The sales representative will be responsible for increasing the origination and integration of new partners in their assigned territory, building and maintaining strong relationships with all assigned partner retailers and their respective stakeholders; through constant field work (store visits)or through direct sales at kiosks to provide support, training, implementation of incentive campaigns and targeted marketing; in order to ensure compliance and exceeding sales and productivity objectives.\n","hostedUrl":"https://jobs.lever.co/payjoy/cd9049ed-0f4b-49e2-9b00-508b5ee6d685","applyUrl":"https://jobs.lever.co/payjoy/cd9049ed-0f4b-49e2-9b00-508b5ee6d685/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Butuan","team":"Merchant Operations","allLocations":["Butuan"]},"createdAt":1745392272758,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Sales Enablement Analyst will be responsible for designing and implementing learning programs, tools, initiatives and facilitating business information that empower our sales team to work more efficiently, identifying performance and knowledge gaps, in order to grow the business.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Sales Enablement Analyst will be responsible for designing and implementing learning programs, tools, initiatives and facilitating business information that empower our sales team to work more efficiently, identifying performance and knowledge gaps, in order to grow the business.
","id":"0b25eca1-b7e9-4ea8-8d97-132b4b766c74","lists":[{"text":"Responsibilities","content":"\nDeliver the sales enablement products and services to all the stakeholders, Work with experts in different areas/departments for training content design (content/materials for internal and external audiences).\nDesign, develop and implement learning tools in different formats.\nWork with the commercial team to attend the knowledge gaps of the clients and their staff to define action plans to increase sales productivity and improve efficiency of the sales team, stores and clerks through the execution of training initiatives.\nUnderstand the different processes across the organization and participate in the design and implementation of enhancement initiatives.\nMeasure the performance of internal sales areas (KPI's, KBI's, KKI's and KSI's), monitor the impact of training to correlate with results,and find improvement opportunities.\nDrive all actions/initiatives that will unlock greater sales opportunities.\n"},{"text":"Requirements ","content":"\n3-5 years experience in sales enablement, data analysis, Marketing, sales training, or sales support, and a demonstrated knowledge of best practices, methodologies, and technologies in each of these areas: such as sales cycle, field training, design skills, sales productivity, etc.)\nIntermediate Level in SQL and Data-Viz tools (As Tableau, Looker Studio)\nStrong skill sets of: Google Sheets and Excel\nCapacity for organization, communication, synthesis skills and lead group meetings in-person or virtually.\nAbility to thrive in a fast-paced environment.\nCollaborative, team player with a strong focus on delivering to have an impact.\nDesirable analytical thinking and Problem-solving skills to analyze data, identify inefficiencies and propose data-driven solutions for improvement.\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone Finance, headphone benefit, home office equipment allowance and wellness perks\nCatered Lunch\n"}],"text":"Sales Trainer","country":"PH","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Sales Enablement Analyst will be responsible for designing and implementing learning programs, tools, initiatives and facilitating business information that empower our sales team to work more efficiently, identifying performance and knowledge gaps, in order to grow the business.
","descriptionBodyPlain":"The Sales Enablement Analyst will be responsible for designing and implementing learning programs, tools, initiatives and facilitating business information that empower our sales team to work more efficiently, identifying performance and knowledge gaps, in order to grow the business.\n","hostedUrl":"https://jobs.lever.co/payjoy/0b25eca1-b7e9-4ea8-8d97-132b4b766c74","applyUrl":"https://jobs.lever.co/payjoy/0b25eca1-b7e9-4ea8-8d97-132b4b766c74/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"São Paulo","team":"Sales","allLocations":["São Paulo"]},"createdAt":1768848834273,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","id":"d7300b9b-eb22-494f-b2e9-0bcf2038d834","lists":[{"text":"Key responsibilities","content":"\nEffectively manage relationships with key accounts ensuring customer satisfaction and loyalty.\nIdentifying and developing new business opportunities with existing and potential clients that have high profitability potential, utilizing market analysis to create strategies that maximize profitability and differentiate our products and services.\nContinuously analyze the market and sector trends to adjust business strategies to maximize opportunities of penetration in a highly competitive market and profitability\nCollaborate closely with the marketing and sales teams to develop effective campaigns and promotional materials tailored to market needs.\nNegotiate agreements and contracts that ensure mutual long-term benefits for all parties involved.\nMaintaining clear and persuasive communication facilitates presenting reports, outcomes, and proposals to management and other key stakeholders.\n"},{"text":"Qualifications ","content":"\nBachelor's degree in business, marketing, or a related field.\nSolid experience managing key accounts in the finance, telecommunications, and retail sectors, cultivating strong relationships and understanding client needs to deliver high-value solutions. \nExperience in signing large corporate contracts with long sales cycles, managing a team of direct reports to hit your monthly sales targets (large national retailers).\nPrevious experience negotiating with C-Level professionals\nProven experience in coordinating communication across multiple teams inside the company\nComfortable managing CRM platforms at the user level\nResults-driven, and enjoy a high-change environment that is focused on expanding phone finance services.\nStrong analytical, organization, communication, and interpersonal skills\nCompetence to identify problems, propose innovative and effective solutions, adapt quickly to market changes and make informed decisions under pressure.\nComfortable communicating in English.\nAvailability for a hybrid work model and 4-day trip per month (estimate).\n"},{"text":"Benefits","content":"\n100% company-funded health and dental insurance for employees and immediate family members\nLife Insurance\nMeal voucher\nR$400,00 Commuting benefit\nR$180,00 for home office assistance\nIncentive for the phone finance product\nBudget for noise-canceling headphones\nBudget for home office equipment\nAnnual budget for wellness perks\n$2,000 USD annual Co-working travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Senior Business Development Manager (National Retailers Accounts)","country":"BR","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/d7300b9b-eb22-494f-b2e9-0bcf2038d834","applyUrl":"https://jobs.lever.co/payjoy/d7300b9b-eb22-494f-b2e9-0bcf2038d834/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Counsel","location":"San Francisco, CA","team":"Legal","allLocations":["San Francisco, CA"]},"createdAt":1770062613590,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nReporting directly to the General Counsel, the Senior Corporate Counsel will be a vital strategic partner to the Finance and Capital Markets teams, as well as the Board, playing a pivotal role in charting the company's next phase of market evolution. This critical position is responsible for architecting and executing the key corporate legal processes and materials necessary to support PayJoy's trajectory toward significant future milestones. A relentless focus will be placed on fortifying the corporate governance framework, managing complex, high-stakes corporate transactions, and meticulously handling external regulatory documentation, all while building the robust legal foundation that will underpin the company's future growth. \n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
Reporting directly to the General Counsel, the Senior Corporate Counsel will be a vital strategic partner to the Finance and Capital Markets teams, as well as the Board, playing a pivotal role in charting the company's next phase of market evolution. This critical position is responsible for architecting and executing the key corporate legal processes and materials necessary to support PayJoy's trajectory toward significant future milestones. A relentless focus will be placed on fortifying the corporate governance framework, managing complex, high-stakes corporate transactions, and meticulously handling external regulatory documentation, all while building the robust legal foundation that will underpin the company's future growth.
","id":"7f3384dc-d72a-405f-815c-62845bb7bb92","lists":[{"text":"Key Responsibilities","content":"\nSupport significant corporate maturity initiatives and transactions by drafting, reviewing, and coordinating external-facing corporate and regulatory documentation in partnership with the General Counsel and external advisors.\nServe as the primary internal owner for complex corporate records and disclosures, ensuring accuracy, consistency, and timely delivery across stakeholders.\nManage corporate governance matters, including board and committee materials, minutes, resolutions, equity documentation, and subsidiary governance across jurisdictions.\nPartner closely with Finance, Accounting, and external advisors to support disclosure controls, transaction readiness, and evolving corporate requirements.\nOversee and leverage paralegal support to scale document management, entity maintenance, and corporate legal operations.\nMonitor developments in corporate and securities law applicable to high-growth companies and proactively surface risks and recommendations to executive leadership.\n"},{"text":"Qualifications","content":"\nJuris Doctor (JD) from an accredited law school and active license to practice law in at least one U.S. jurisdiction.\n6+ years of legal experience with a focus on corporate and transactional matters, including experience at a law firm and/or in-house at a high-growth or regulated company.\nExposure to capital markets transactions, public-company readiness initiatives, or similar large-scale corporate milestones.\nStrong understanding of corporate governance frameworks and disclosure principles.\nDemonstrated ability to partner cross-functionally with Finance, Accounting, and external advisors.\n"},{"text":"Benefits","content":"\n100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\n$2,000 annual Co-working Travel perk\n$2,000 annual Professional Development perk\n$340 Monthly Commuter benefit\n401k contribution of 3% of salary (up to IRS limits)\nHeadphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n20 paid vacation days, unlimited sick leave\n"}],"salaryRange":{"min":212647,"max":263143,"currency":"USD","interval":"per-year-salary"},"text":"Senior Corporate Counsel","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"Reporting directly to the General Counsel, the Senior Corporate Counsel will be a vital strategic partner to the Finance and Capital Markets teams, as well as the Board, playing a pivotal role in charting the company's next phase of market evolution. This critical position is responsible for architecting and executing the key corporate legal processes and materials necessary to support PayJoy's trajectory toward significant future milestones. A relentless focus will be placed on fortifying the corporate governance framework, managing complex, high-stakes corporate transactions, and meticulously handling external regulatory documentation, all while building the robust legal foundation that will underpin the company's future growth.
","descriptionBodyPlain":"Reporting directly to the General Counsel, the Senior Corporate Counsel will be a vital strategic partner to the Finance and Capital Markets teams, as well as the Board, playing a pivotal role in charting the company's next phase of market evolution. This critical position is responsible for architecting and executing the key corporate legal processes and materials necessary to support PayJoy's trajectory toward significant future milestones. A relentless focus will be placed on fortifying the corporate governance framework, managing complex, high-stakes corporate transactions, and meticulously handling external regulatory documentation, all while building the robust legal foundation that will underpin the company's future growth. \n","hostedUrl":"https://jobs.lever.co/payjoy/7f3384dc-d72a-405f-815c-62845bb7bb92","applyUrl":"https://jobs.lever.co/payjoy/7f3384dc-d72a-405f-815c-62845bb7bb92/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"People","location":"Bangalore","team":"People Partners","allLocations":["Bangalore"]},"createdAt":1776492787564,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe People Business Partner will be responsible to provide counsel, coaching and support on HR fundamentals and employee related questions to employees ranging from Leadership team members down to entry level ones. Deploy talent management, organizational development, and payroll solutions to drive the business strategy and breakthrough results.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The People Business Partner will be responsible to provide counsel, coaching and support on HR fundamentals and employee related questions to employees ranging from Leadership team members down to entry level ones. Deploy talent management, organizational development, and payroll solutions to drive the business strategy and breakthrough results.
","id":"e4f57f65-9a4c-4987-afaa-6b4b2abefaf8","lists":[{"text":"Responsibilities","content":"\nOversee recruitment, and onboarding processes to ensure the organization has the right talent in the right roles. \nSuccessfully execute all HR Cycle processes (Objective Setting, Talent Review, Mid-Year, Talent Development Plans, Annual Salary Review, budget management, organizational structure, etc.) and ensure HR system updates are completed in a timely manner.\nDevelop innovative people strategies and design approaches that deliver business value and create an environment for employee satisfaction.\nOversee administration of payroll and benefits programs, ensure compliance with legal and regulatory requirements, and provide guidance to employees and managers on people policies and practices.\nBe the go-to person to coach leaders and advise individuals on employee relations issues, talent management, payroll & benefits, internal mobility and getting the most value out of each employee.\nResearch and analyze employee trends to understand ways to increase employee engagement and retention.\nManage and resolve complex employee relations issues by conducting effective, thorough, and objective investigations, as needed. \n"},{"text":"Requirements","content":"\nBachelor’s degree in Human Resources, Business Administration, or a related field.\nExperience working in HR as a generalist, with recruiting experience, in startups or globally-dispersed companies preferred, knowledge of l Labor Law and local regulations.\nAbility to work independently, navigate and maintain productivity in a matrix environment.\nComfortable moving at a rapid pace and taking business strategies into organizational planning that result in successful outcomes both for the business and the workforce.\nAbility to persuade and influence leadership on people matters.\nCollaborative, resourceful, detailed, analytical, and strong sense of urgency with a 'let's / can-do' attitude.\nHad work on fast-paced and uncertain environments\nFluent English language proficiency\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks.\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Senior Human Resources Business Partner","country":"IN","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The People Business Partner will be responsible to provide counsel, coaching and support on HR fundamentals and employee related questions to employees ranging from Leadership team members down to entry level ones. Deploy talent management, organizational development, and payroll solutions to drive the business strategy and breakthrough results.
","descriptionBodyPlain":"The People Business Partner will be responsible to provide counsel, coaching and support on HR fundamentals and employee related questions to employees ranging from Leadership team members down to entry level ones. Deploy talent management, organizational development, and payroll solutions to drive the business strategy and breakthrough results.\n","hostedUrl":"https://jobs.lever.co/payjoy/e4f57f65-9a4c-4987-afaa-6b4b2abefaf8","applyUrl":"https://jobs.lever.co/payjoy/e4f57f65-9a4c-4987-afaa-6b4b2abefaf8/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Marketing","allLocations":["Mexico City, CDMX"]},"createdAt":1775761858239,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","id":"23612cd0-0ab1-41f8-8619-136f03436ebe","lists":[{"text":"Key responsibilities","content":"\n
\n- \n
Develop and execute global PR strategy: Craft a cohesive media and communications strategy that amplifies PayJoy’s mission and business momentum across key markets.
\n \n- \n
Media relations: Build and maintain strong relationships with top-tier business, technology, fintech, and social-impact journalists globally and regionally.
\n \n- \n
Storytelling and thought leadership: Partner with the executive team to develop compelling storylines, op-eds, and speaking opportunities that highlight PayJoy’s innovation and impact.
\n \n- \n
Crisis and reputation management: Anticipate potential issues, manage responses, and ensure timely, aligned communication during critical moments.
\n \n- \n
Press materials and content creation: Write press releases, Q&As, briefing docs, and backgrounders that clearly articulate PayJoy’s narrative and results.
\n \n- \n
Event and speaking support: Support media visibility and executive participation in major fintech, technology, and social-impact forums.
\n \n- \n
Agency management: Manage and collaborate with PR agencies across regions to ensure consistent quality and strategic alignment.
\n \n- \n
Measurement: Track, analyze, and report on PR performance metrics to continuously optimize communication effectiveness.
\n \n\n
\n
\n- \n
Bachelor's degree or studying in a field related to Social Marketing.
\n \n- \n
7+ years of experience in public relations, communications, or corporate affairs (preferably in fintech, financial services, or technology).
\n \n- \n
Proven track record of building positive media coverage in global and regional markets.
\n \n- \n
Exceptional writing, storytelling, and message-development skills in English (Spanish or Portuguese a plus).
\n \n- \n
Strategic thinker with a bias for execution and comfort in fast-paced, high-growth environments.
\n \n- \n
Experience working cross-functionally with senior leaders and external partners.
\n \n- \n
Strong understanding of the intersection of technology, financial inclusion, and emerging markets.
\n \n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
"}],"text":"Senior Public Relations Manager","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/23612cd0-0ab1-41f8-8619-136f03436ebe","applyUrl":"https://jobs.lever.co/payjoy/23612cd0-0ab1-41f8-8619-136f03436ebe/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"São Paulo","team":"Marketing","allLocations":["São Paulo"]},"createdAt":1777927729007,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","id":"29a11174-d92a-45a3-870d-743559eeb134","lists":[{"text":"Key responsibilities","content":"\n
\n- \n
Develop and execute global PR strategy: Craft a cohesive media and communications strategy that amplifies PayJoy’s mission and business momentum across key markets.
\n \n- \n
Media relations: Build and maintain strong relationships with top-tier business, technology, fintech, and social-impact journalists globally and regionally.
\n \n- \n
Storytelling and thought leadership: Partner with the executive team to develop compelling storylines, op-eds, and speaking opportunities that highlight PayJoy’s innovation and impact.
\n \n- \n
Crisis and reputation management: Anticipate potential issues, manage responses, and ensure timely, aligned communication during critical moments.
\n \n- \n
Press materials and content creation: Write press releases, Q&As, briefing docs, and backgrounders that clearly articulate PayJoy’s narrative and results.
\n \n- \n
Event and speaking support: Support media visibility and executive participation in major fintech, technology, and social-impact forums.
\n \n- \n
Agency management: Manage and collaborate with PR agencies across regions to ensure consistent quality and strategic alignment.
\n \n- \n
Measurement: Track, analyze, and report on PR performance metrics to continuously optimize communication effectiveness.
\n \n\n
\n
\n- \n
Bachelor's degree or studying in a field related to Social Marketing.
\n \n- \n
7+ years of experience in public relations, communications, or corporate affairs (preferably in fintech, financial services, or technology).
\n \n- \n
Proven track record of building positive media coverage in global and regional markets.
\n \n- \n
Exceptional writing, storytelling, and message-development skills in English (Spanish or Portuguese a plus).
\n \n- \n
Strategic thinker with a bias for execution and comfort in fast-paced, high-growth environments.
\n \n- \n
Experience working cross-functionally with senior leaders and external partners.
\n \n- \n
Strong understanding of the intersection of technology, financial inclusion, and emerging markets.
\n \n\n
100% Company-funded Health and Dental insurance for employees and immediate family members.
Life insurance.
Meal voucher
R$400,00 Commuting Benefit
R$180,00 for Home Office assistance.
Incentive for the Phone finance product.
Budget for noise-canceling headphones.
Budget for home office equipment.
Annual budget for wellness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
"}],"text":"Senior Public Relations Manager","country":"BR","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/29a11174-d92a-45a3-870d-743559eeb134","applyUrl":"https://jobs.lever.co/payjoy/29a11174-d92a-45a3-870d-743559eeb134/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Bogotá, Bogotá D.C.","team":"Marketing","allLocations":["Bogotá, Bogotá D.C."]},"createdAt":1777928665864,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","id":"427dc491-8e14-470e-ac88-f5d297307455","lists":[{"text":"Key responsibilities","content":"\n
\n- \n
Develop and execute global PR strategy: Craft a cohesive media and communications strategy that amplifies PayJoy’s mission and business momentum across key markets.
\n \n- \n
Media relations: Build and maintain strong relationships with top-tier business, technology, fintech, and social-impact journalists globally and regionally.
\n \n- \n
Storytelling and thought leadership: Partner with the executive team to develop compelling storylines, op-eds, and speaking opportunities that highlight PayJoy’s innovation and impact.
\n \n- \n
Crisis and reputation management: Anticipate potential issues, manage responses, and ensure timely, aligned communication during critical moments.
\n \n- \n
Press materials and content creation: Write press releases, Q&As, briefing docs, and backgrounders that clearly articulate PayJoy’s narrative and results.
\n \n- \n
Event and speaking support: Support media visibility and executive participation in major fintech, technology, and social-impact forums.
\n \n- \n
Agency management: Manage and collaborate with PR agencies across regions to ensure consistent quality and strategic alignment.
\n \n- \n
Measurement: Track, analyze, and report on PR performance metrics to continuously optimize communication effectiveness.
\n \n\n
\n
\n- \n
Bachelor's degree or studying in a field related to Social Marketing.
\n \n- \n
7+ years of experience in public relations, communications, or corporate affairs (preferably in fintech, financial services, or technology).
\n \n- \n
Proven track record of building positive media coverage in global and regional markets.
\n \n- \n
Exceptional writing, storytelling, and message-development skills in English (Spanish or Portuguese a plus).
\n \n- \n
Strategic thinker with a bias for execution and comfort in fast-paced, high-growth environments.
\n \n- \n
Experience working cross-functionally with senior leaders and external partners.
\n \n- \n
Strong understanding of the intersection of technology, financial inclusion, and emerging markets.
\n \n\n
100% Company-funded Health for employees and immediate family members
Life Insurance
Indefinite-term contract
20 days of vacations, unlimited sick leave
$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
Catered lunches
"}],"text":"Senior Public Relations Manager","country":"CO","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/427dc491-8e14-470e-ac88-f5d297307455","applyUrl":"https://jobs.lever.co/payjoy/427dc491-8e14-470e-ac88-f5d297307455/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"San Francisco, CA","team":"Marketing","allLocations":["San Francisco, CA"]},"createdAt":1777928824128,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","id":"4a344447-4e75-49ed-ba5e-e3efee4ec195","lists":[{"text":"Key responsibilities","content":"\n
\n- \n
Develop and execute global PR strategy: Craft a cohesive media and communications strategy that amplifies PayJoy’s mission and business momentum across key markets.
\n \n- \n
Media relations: Build and maintain strong relationships with top-tier business, technology, fintech, and social-impact journalists globally and regionally.
\n \n- \n
Storytelling and thought leadership: Partner with the executive team to develop compelling storylines, op-eds, and speaking opportunities that highlight PayJoy’s innovation and impact.
\n \n- \n
Crisis and reputation management: Anticipate potential issues, manage responses, and ensure timely, aligned communication during critical moments.
\n \n- \n
Press materials and content creation: Write press releases, Q&As, briefing docs, and backgrounders that clearly articulate PayJoy’s narrative and results.
\n \n- \n
Event and speaking support: Support media visibility and executive participation in major fintech, technology, and social-impact forums.
\n \n- \n
Agency management: Manage and collaborate with PR agencies across regions to ensure consistent quality and strategic alignment.
\n \n- \n
Measurement: Track, analyze, and report on PR performance metrics to continuously optimize communication effectiveness.
\n \n\n
\n
\n- \n
Bachelor's degree or studying in a field related to Social Marketing.
\n \n- \n
7+ years of experience in public relations, communications, or corporate affairs (preferably in fintech, financial services, or technology).
\n \n- \n
Proven track record of building positive media coverage in global and regional markets.
\n \n- \n
Exceptional writing, storytelling, and message-development skills in English (Spanish or Portuguese a plus).
\n \n- \n
Strategic thinker with a bias for execution and comfort in fast-paced, high-growth environments.
\n \n- \n
Experience working cross-functionally with senior leaders and external partners.
\n \n- \n
Strong understanding of the intersection of technology, financial inclusion, and emerging markets.
\n \n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Public Relations Manager is responsible to lead the global public relations and communications strategy to strengthen the company’s reputation and visibility across key markets building strong media relationships managing regional agencies and developing impactful storytelling that highlights PayJoy’s mission innovation and social impact while ensuring consistent messaging and effective reputation management worldwide.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/4a344447-4e75-49ed-ba5e-e3efee4ec195","applyUrl":"https://jobs.lever.co/payjoy/4a344447-4e75-49ed-ba5e-e3efee4ec195/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"Mexico City, CDMX","team":"Core Engineering","allLocations":["Mexico City, CDMX"]},"createdAt":1739291285923,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Senior Software Engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Software Engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience
","id":"869c29f8-72fa-4be1-b4e3-e2b8d00cc122","lists":[{"text":"Responsibilities","content":"\nBuild user-friendly front-end applications using both Android native and Web technologies as appropriate.\nWork with development teams and product managers to develop software solutions.\nCollaborate on the client-side and server-side architecture.\nBeing willing to contribute in Front/Back/Mobile when needed.\nStay up to date with industry trends and technologies to drive continuous improvement in software development processes.\n"},{"text":"Requirements","content":"\nBachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. \n3+ years of experience as Software Engineer, 2+ years in native Android development is required, 2+ years in full-stack development in any front/end stack is a plus.\nExperience in unit test and Backed is required, PHP or Python or any back/front stack is a plus.\nA can-do attitude and creative, flexible problem solving abilities.\nExcellent communication and collaboration skills.\nBeing a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.\n"},{"text":"Benefits","content":"\n100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium \n13% Saving funds \n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches\n"}],"text":"Senior Software Engineer - Android","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Software Engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience
","descriptionBodyPlain":"The Senior Software Engineer is responsible for building technology of our unique cell phone-locking system, data-driven risk modeling to support our financial products, internal tools and partner API integrations, ensuring the quality and functionality of software solutions writing clean and functional code to ensure system consistency and to create a great user experience\n","hostedUrl":"https://jobs.lever.co/payjoy/869c29f8-72fa-4be1-b4e3-e2b8d00cc122","applyUrl":"https://jobs.lever.co/payjoy/869c29f8-72fa-4be1-b4e3-e2b8d00cc122/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"San Francisco, CA","team":"Core Engineering","allLocations":["San Francisco, CA"]},"createdAt":1780334512078,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThis is not a conventional Android app development role (building applications for the Play Store). We are seeking a specialized systems engineer focused on the heart of the operating system: AOSP (Android Open Source Project) and the TEE (Trusted Execution Environment).\nIn this role, you will bridge the gap between high-level Android features and low-level hardware integration, ensuring our proprietary security mechanisms—which protect our assets at the OS level—are robust, performant, and tamper-proof.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
This is not a conventional Android app development role (building applications for the Play Store). We are seeking a specialized systems engineer focused on the heart of the operating system: AOSP (Android Open Source Project) and the TEE (Trusted Execution Environment).
\n
In this role, you will bridge the gap between high-level Android features and low-level hardware integration, ensuring our proprietary security mechanisms—which protect our assets at the OS level—are robust, performant, and tamper-proof.
\n
\n\n
\nFramework Engineering: Develop and maintain custom modifications within the Android Framework (AOSP) and Hardware Abstraction Layers (HAL).
\n\n
\nOEM Integration: Partner with global smartphone manufacturers and chipset vendors to integrate PayJoy’s proprietary technology into factory firmware.
\n\n
\nCross-Border Collaboration: Work daily with our China-based engineering team to align on technical specifications and manufacturing requirements.
\n\n
\nFeature Development: Implement new locking features that interact with system-level services for example Telephony, Power Management, and Device Policy Manager, etc…
\n\n
\nR&D & Debugging: Use deep chip-level knowledge to troubleshoot integration issues across different silicon providers (Qualcomm, MediaTek, etc.).
\n\n
\nProcess Automation: Contribute to OTA (Over-the-Air) updates and global device testing.
\n\n\n
\n
\n- \n
Android Internals Expertise: Extensive, hands-on experience with AOSP development, including modifying system services and utilizing the Android build system (Soong/Make).
\n \n- \n
Low-Level Language Mastery: Expert-level proficiency in Java and C/C++ (JNI). (Ability to read/write Kotlin is expected, but core work remains at the system level).
\n \n- \n
OEM/Firmware Background: Proven experience working with or for an OEM or chipset vendor on firmware customization, device bring-up, or security hardening.
\n \n- \n
Strong Core Skills: Demonstrable knowledge of AOSP and TEE / ARM TrustZone.
\n \n- \n
⚠️ Note: If your background is primarily focused on building consumer-facing commercial apps (e.g., banking, gaming, or general retail apps), this role will not be a match for your skillset.
\n \n\n🌟 Desirable Skills (Pluses):
\n\n- \n
Experience with Secure Boot, verified boot (AVB), and common Android exploit vectors.
\n \n- \n
Automation of firmware build pipelines and signing processes using Python or Bash.
\n \n- \n
Comfort collaborating effectively with international teams across different time zones.
\n \n\n💬 Ready to solve complex engineering challenges that almost no one else in the industry is tackling? Apply directly or send me a DM. Let's chat!
\n
Salary applies to the USA candidates.
","salaryDescriptionPlain":"Salary applies to the USA candidates.\n","text":"Senior Software Engineer - Android Systems & Security","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
This is not a conventional Android app development role (building applications for the Play Store). We are seeking a specialized systems engineer focused on the heart of the operating system: AOSP (Android Open Source Project) and the TEE (Trusted Execution Environment).
\n
In this role, you will bridge the gap between high-level Android features and low-level hardware integration, ensuring our proprietary security mechanisms—which protect our assets at the OS level—are robust, performant, and tamper-proof.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"Bogotá, Bogotá D.C.","team":"Core Engineering","allLocations":["Bogotá, Bogotá D.C."]},"createdAt":1778602956654,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.
","id":"92acf40d-ca92-4804-b0bc-84ac70ec3b66","lists":[{"text":"Responsibilities","content":"\nCode software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS. Design, implement, test, debug, and deploy features and services from product specification.\nWork with the Product team to deliver code that addresses business needs.\nUse and manage relational SQL databases. Use SQL programming language to perform Create, Retrieve, Update, and Delete operations (DDL and DML commands).\nDesign and implement database schema changes to support new features.\nUnderstand the importance of customer data. Proper handling of customer’s sensitive information.\nBuild data driven products\nWork with global engineering teams and partners to deliver great products into international markets.\nDesign and implement tools to guarantee that remote teams are able to support partners’ needs.\nBuild APIs to deliver the data partners need in real-time.\nBuild independently and/or take ownership of sets of features.\nContribute to feature development across the full life-cycle: requirements to implementation, requirement changes, follow-up implementation, and bug fixes.\nGrow the engineering team. Provide mentorship and documentation for new engineers. Interview new candidates for the teamBe willing to work in a collaborative environment.\nParticipate in code reviews as an important part of the job. Be able to work collaboratively with other engineers using engineering practices but not limited to , pair programming and TDD. Willing to work in an Agile environment.\n"},{"text":"Requirements","content":"\nBachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. \n8 + years of experience in financial technology services.\nProficiency in front-end and back-end technologies, PHP, Java, Javascript/Vue/AngularJS, HTML, CSS, SQL.\nStrong problem-solving and analytical skills.\nExcellent communication and collaboration skills.\nBeing a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored.\n"},{"text":"Nice to Have","content":"\nExperience with Adobe Experience Platform (AEP).\nExposure to omnichannel activation (email, push, SMS, in-product).\nInterest in growing toward Staff / architecture responsibilities.\nExperience in product-led or growth-driven companies.\n"},{"text":"Benefits","content":"\n100% Company-funded Health for employees and immediate family members\nLife Insurance\nIndefinite-term contract\n20 days of vacations, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n"}],"text":"Senior Software Engineer - Onboarding","country":"CO","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.
","descriptionBodyPlain":"The Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.\n","hostedUrl":"https://jobs.lever.co/payjoy/92acf40d-ca92-4804-b0bc-84ac70ec3b66","applyUrl":"https://jobs.lever.co/payjoy/92acf40d-ca92-4804-b0bc-84ac70ec3b66/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"San Francisco, CA","team":"Core Engineering","allLocations":["San Francisco, CA"]},"createdAt":1768603340515,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","id":"cc8d3642-6faa-41e4-850e-bf8b23f0d5a9","lists":[{"text":"Responsibilities","content":"\nDesign, build, and operate our iOS app across multiple markets.\nImplement effective, resilient, and scalable features using Swift, SwiftUI, modern iOS frameworks, unit/integration tests, and clean architecture practices.\nEnsure long-term system health, maintainability, and performance.\nProvide technical input on system-level decisions, identifying and resolving cross-team technical obstacles.\nOwn Delivery End-to-End\nOwn the technical design, implementation, testing, rollout, and long-term maintenance of major iOS features.\nBe a strong participant in the end-to-end release process for PayJoy’s iOS applications, ensuring timely, reliable, and high-quality delivery across TestFlight, App Store Connect, and production environments.\nMonitor build health, crash reports, and performance metrics during TestFlight and post-release, driving rapid iterations or rollbacks as needed.\nProactively manage ambiguous or novel problem spaces, ensuring clarity and alignment for collaborating teams.\nCommunicate clearly at both tactical and strategic levels, helping colleagues understand tradeoffs, timelines, and dependencies.\n"},{"text":"Requirements","content":"\n5+ years of professional experience building native iOS applications.\nStrong proficiency in Swift, iOS architectural patterns, async programming, iOS system security, and MDM-aware iOS apps.\nExperience managing TestFlight and App Store app submissions and handling App Store rejections. \nDemonstrated ability to deliver complex features.\nExperience with one (or several!) of these areas: mobile credit/payments products, MDM and enterprise management, Android development, or emerging markets.\nExperience in product experimentation, A/B testing, analytics, and reliability engineering.\nExceptional communication, collaboration.\nA mindset aligned with PayJoy’s mission of expanding financial access and culture of speed, transparency, direct communication, and adaptability.\nAdvanced English Level\n"},{"text":"Benefits","content":"\nLocal benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks \nCatered lunches\n"}],"salaryRange":{"min":272000,"max":283000,"currency":"USD","interval":"per-year-salary"},"text":"Senior Software Engineer iOS","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/cc8d3642-6faa-41e4-850e-bf8b23f0d5a9","applyUrl":"https://jobs.lever.co/payjoy/cc8d3642-6faa-41e4-850e-bf8b23f0d5a9/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"Mexico City, CDMX","team":"Core Engineering","allLocations":["Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1779825493443,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nAs a QA Engineer, you will play a crucial role in the development and maintenance of automated testing frameworks, tools, and scripts for our financial services software applications. You will collaborate closely with cross-functional teams, including developers, product managers, and other QA engineers, to drive the delivery of high-quality software solutions. Your expertise in test automation will be instrumental in ensuring the reliability, performance, and security of our products, as well as identifying and resolving issues throughout the software development life cycle.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
As a QA Engineer, you will play a crucial role in the development and maintenance of automated testing frameworks, tools, and scripts for our financial services software applications. You will collaborate closely with cross-functional teams, including developers, product managers, and other QA engineers, to drive the delivery of high-quality software solutions. Your expertise in test automation will be instrumental in ensuring the reliability, performance, and security of our products, as well as identifying and resolving issues throughout the software development life cycle.
","id":"0bbc8bd4-56f7-4ae0-a4c6-69f519036544","lists":[{"text":"Responsibilities","content":"\n\n
\nDevelop and maintain automated test scripts using Cypress for UI and API testing,
\n\n
\nConduct various types of testing, including functional, integration, regression, and performance testing.
\n\n
\nContribute to the evolution of our existing test automation framework by developing new utility functions and improving reporting capabilities
\n\n
\nCollaborate with the development team to identify test requirements, design and execute test plans, and create comprehensive test cases.
\n\n
\nProactively identify and report software defects, troubleshoot issues, and work closely with developers to ensure timely resolution.
\n\n
\nGenerate clear and concise test reports, document test results, and maintain accurate test documentation.
\n\n
\nCollaborate with cross-functional teams (product, security, operations) to ensure the overall quality and security.
\n\n
\nStay up-to-date with the latest industry tools, trends, and best practices in automation testing and software quality assurance
\n\n\n
\n\n
\nStrong proficiency in test automation frameworks and tools, such as Cypress, Selenium, or Playwright for web UI testing, and REST Assured, Postman, or Supertest for API testing.
\n\n
\nStrong JavaScript or TypeScript skills with experience in object-oriented programming, asynchronous programming patterns, and testing frameworks like Jest or Mocha.
\n\n
\nExperience with Git for version control and collaboration.
\n\n
\nExperience with continuous integration tools like CircleCI, Jenkins, or GitHub Actions, including configuring pipelines and integrating automated tests.
\n\n
\nFamiliarity with Agile testing methodologies and test-driven development (TDD).
\n\n
\nExcellent problem-solving and debugging skills.
\n\n
\nStrong communication and collaboration skills to work effectively in a team.
\n\n
\nAttention to detail and a commitment to delivering high-quality results.
\n\n
\nProven experience as a QA Automation Engineer or a similar role (2+ years preferred).
\n\n
\nExperience in the financial services industry, particularly with payment systems, fraud prevention is a plus.
\n\n
\nAbility to write clear, concise, and comprehensive test cases and documentation.
\n\n
\nStrong communication and collaboration skills to work effectively in a team.
\n\n
\nBachelor's degree or higher in Computer Science, Engineering, or a related field, or equivalent work experience.
\n\n\n
\n\n
Local benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family Company-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches \n\n"}],"text":"Software Development Engineer in Test","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"As a QA Engineer, you will play a crucial role in the development and maintenance of automated testing frameworks, tools, and scripts for our financial services software applications. You will collaborate closely with cross-functional teams, including developers, product managers, and other QA engineers, to drive the delivery of high-quality software solutions. Your expertise in test automation will be instrumental in ensuring the reliability, performance, and security of our products, as well as identifying and resolving issues throughout the software development life cycle.
","descriptionBodyPlain":"As a QA Engineer, you will play a crucial role in the development and maintenance of automated testing frameworks, tools, and scripts for our financial services software applications. You will collaborate closely with cross-functional teams, including developers, product managers, and other QA engineers, to drive the delivery of high-quality software solutions. Your expertise in test automation will be instrumental in ensuring the reliability, performance, and security of our products, as well as identifying and resolving issues throughout the software development life cycle.\n","hostedUrl":"https://jobs.lever.co/payjoy/0bbc8bd4-56f7-4ae0-a4c6-69f519036544","applyUrl":"https://jobs.lever.co/payjoy/0bbc8bd4-56f7-4ae0-a4c6-69f519036544/apply"},{"additional":"","additionalPlain":"","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Marketing","allLocations":["Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1780077677253,"descriptionPlain":"The Sr. Content Strategy Manager is responsible for leading the global content strategy for performance marketing across 7 PayJoy markets. This is a hybrid role that combines a genuine passion for digital content creation with a rigorous, data-driven approach to content measurement, experimentation, and iteration, making every creative decision accountable to business outcomes. The Sr. Content Strategy Manager leads both internal and external content creation teams, owns the global influencer marketing strategy, and builds scalable, AI-first content systems that adapt to each market while consistently driving measurable results.\n","description":"The Sr. Content Strategy Manager is responsible for leading the global content strategy for performance marketing across 7 PayJoy markets. This is a hybrid role that combines a genuine passion for digital content creation with a rigorous, data-driven approach to content measurement, experimentation, and iteration, making every creative decision accountable to business outcomes. The Sr. Content Strategy Manager leads both internal and external content creation teams, owns the global influencer marketing strategy, and builds scalable, AI-first content systems that adapt to each market while consistently driving measurable results.
","id":"942b03e6-b6ad-47a8-8d25-9cc2e2d8abd2","lists":[{"text":"Responsibilities","content":"\nDefine and own the global content strategy for performance marketing across 7 PayJoy countries, ensuring every creative output is directly tied to measurable business outcomes (CAC, Lead-to-Sale, take rate, brand engagement).\nBuild and lead a content measurement and experimentation framework, including A/B testing protocols, performance dashboards, and structured iteration cycles, to continuously optimize content against key business metrics.\nLead, develop, and scale both internal and external content creation teams across all markets, establishing clear workflows, quality standards, and creative briefs aligned to performance goals.\nOwn the global influencer marketing strategy: from creator identification, vetting, and partnership negotiation, to campaign execution, content quality control, and ROI measurement across all 7 countries.\nChampion an AI-first approach to content production, building scalable creation workflows and tooling that dramatically increase output capacity while preserving creative quality and cultural relevance in each market.\nPartner closely with Performance Marketing, Data/BI, and Growth teams to ensure content strategy is informed by funnel data and directly contributes to CAC reduction and conversion improvement.\nDesign and maintain scalable content playbooks and systems that enable cultural and linguistic localization across 7 markets without sacrificing brand consistency or performance benchmarks.\nOversee content calendars, creative asset pipelines, and publication cadence across all markets, ensuring timely and high-quality delivery aligned to campaign objectives.\nPresent content performance insights, experiment results, and strategic roadmaps to senior leadership regularly, translating creative work into business language.\nMonitor and integrate emerging trends in digital content, generative AI tools, and the creator economy to maintain competitive advantage across all markets.\n"},{"text":"Qualifications","content":"\nBachelor's degree in Marketing, Communications, Journalism, Digital Media, or a related field.\n5+ years of experience in digital content strategy or content marketing, with at least 3 years in a leadership role managing cross-functional and/or multi-country teams.\nDemonstrated ability to build content measurement systems, design and run structured content experiments (A/B testing), and connect content performance directly to business metrics (CAC, conversion rates, revenue). Content experimentation must be as natural as content creation.\nDeep expertise in global influencer marketing including creator strategy, partnership negotiation, campaign execution, and ROI measurement across multiple markets simultaneously.\nStrong analytical mindset with hands-on experience in BI tools, content analytics platforms, and performance dashboards. Ability to translate data insights into creative strategy decisions and vice versa.\nProven experience building and scaling AI-first content workflows and production systems that increase team output capacity without compromising quality.\nExperience leading content strategy across multi-country environments (7+ markets preferred), with strong sensitivity to cultural and linguistic localization requirements.\nExcellent cross-functional collaboration skills ability to partner effectively with Performance Marketing, Product, Data, and CX teams to align content strategy with business objectives.\nOutstanding communication and storytelling skills in English; Spanish or Portuguese proficiency is strongly preferred.\n"},{"text":"Benefits","content":"\n\n
Local benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family Company-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches \n\n"}],"text":"Sr. Content Strategy Manager","country":"MX","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"The Sr. Content Strategy Manager is responsible for leading the global content strategy for performance marketing across 7 PayJoy markets. This is a hybrid role that combines a genuine passion for digital content creation with a rigorous, data-driven approach to content measurement, experimentation, and iteration, making every creative decision accountable to business outcomes. The Sr. Content Strategy Manager leads both internal and external content creation teams, owns the global influencer marketing strategy, and builds scalable, AI-first content systems that adapt to each market while consistently driving measurable results.
","descriptionBodyPlain":"The Sr. Content Strategy Manager is responsible for leading the global content strategy for performance marketing across 7 PayJoy markets. This is a hybrid role that combines a genuine passion for digital content creation with a rigorous, data-driven approach to content measurement, experimentation, and iteration, making every creative decision accountable to business outcomes. The Sr. Content Strategy Manager leads both internal and external content creation teams, owns the global influencer marketing strategy, and builds scalable, AI-first content systems that adapt to each market while consistently driving measurable results.\n","hostedUrl":"https://jobs.lever.co/payjoy/942b03e6-b6ad-47a8-8d25-9cc2e2d8abd2","applyUrl":"https://jobs.lever.co/payjoy/942b03e6-b6ad-47a8-8d25-9cc2e2d8abd2/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"San Francisco, CA","team":"Core Engineering","allLocations":["San Francisco, CA"]},"createdAt":1765223589428,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Staff Data Engineer is responsible for ensuring that the organization has reliable, accessible, and well-organized data by designing and maintaining systems that process information in real time and in batches, defining a data strategy aligned with business goals, ensuring data quality and security, optimizing database performance, automating processes to increase efficiency, overseeing monitoring and rapid issue resolution, and providing leadership and guidance to other teams to ensure best practices in data usage and management\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Staff Data Engineer is responsible for ensuring that the organization has reliable, accessible, and well-organized data by designing and maintaining systems that process information in real time and in batches, defining a data strategy aligned with business goals, ensuring data quality and security, optimizing database performance, automating processes to increase efficiency, overseeing monitoring and rapid issue resolution, and providing leadership and guidance to other teams to ensure best practices in data usage and management
","id":"6ca046be-9f53-405e-9654-074a37e32652","lists":[{"text":"Responsibilities","content":"\nArchitect and Build Data Pipelines: Build, optimize, and maintain reliable, scalable, and efficient data pipelines for both batch and real-time data processing.\nData Strategy: Develop and maintain a data strategy aligned with business objectives, ensuring data infrastructure supports current and future needs.\nStreaming Expertise: Lead the development of real-time ingestion pipelines using Kafka/Kinesis, and design data models optimized for streaming workloads.\nData Quality & Governance: Implement data quality checks, schema evolution, lineage tracking, and compliance using tools like Unity Catalog and Delta Lake etc. \nTool & Technology Selection: Evaluate and implement the latest data engineering tools and technologies that will best serve our needs, balancing innovation with practicality.\nAutomation and CI/CD: Drive automation of pipeline deployments, testing and monitoring using Terraform, CircleCi or similar tools. \nPerformance Tuning: Regularly review, refine, and optimize SQL queries across different systems to maintain peak performance. Identify and address bottlenecks, query performance issues, and resource utilization. Setup best practices and work with developers on education of what they should be doing in the software development lifecycle to ensure optimal performance. \nDatabase Administration: Manage and maintain production AWS RDS MySQL, Aurora and postgres databases. Perform routine database operations, including backups, restores, and disaster recovery planning. Monitor database health, diagnose and resolve issues in a timely manner.\nKnowledge and Training: Serve as the primary point of contact for database performance and usage related knowledge, providing guidance, training, and expertise to other teams and stakeholders.\nMonitoring & Troubleshooting: Implement monitoring solutions to ensure high availability and troubleshoot data pipeline issues in real-time.\nDocumentation: Maintain comprehensive documentation of systems, pipelines, and processes for easy onboarding and collaboration.\nMentorship & Leadership: Mentor other engineers, review PRs, and establish best practices in data engineering.\n"},{"text":"Requirements","content":"\nBachelor’s or Master’s degree in Computer Science, Engineering, Data Science, or a related field.\n12+ years of experience in data engineering, with at least 3+ years working in Databricks.\nDeep hands-on experience with Apache Spark (PySpark/SQL), Delta Lake, and Structured Streaming.\nTechnical Expertise: Deep understanding of data engineering concepts, including ETL/ELT processes, data warehousing, big data technologies, and cloud platforms (e.g., AWS, Azure, GCP).\nStrong proficiency in Python, SQL, and data modeling for both OLTP and OLAP systems.\nArchitectural Knowledge: Strong experience in designing and implementing data architectures, including real-time data processing, data lakes, and data warehouses.\nTool Proficiency: Hands-on experience with data engineering tools such as Apache Spark, Kafka, Databricks, Airflow, and modern data orchestration frameworks.\nInnovation Mindset: A track record of implementing innovative solutions and reimagining data engineering practices.\nExperience with Databricks Workflows, Delta Live Tables (DLT), and Unity Catalog.\nFamiliarity with stream processing patterns (exactly-once semantics, watermarking, checkpointing)\n"},{"text":"Benefits","content":"\n100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\nCommuter benefit\n"}],"salaryRange":{"min":270932,"max":337644,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"Salary depending on years of experience.
","salaryDescriptionPlain":"Salary depending on years of experience.\n","text":"Staff Data Engineer","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Staff Data Engineer is responsible for ensuring that the organization has reliable, accessible, and well-organized data by designing and maintaining systems that process information in real time and in batches, defining a data strategy aligned with business goals, ensuring data quality and security, optimizing database performance, automating processes to increase efficiency, overseeing monitoring and rapid issue resolution, and providing leadership and guidance to other teams to ensure best practices in data usage and management
","descriptionBodyPlain":"The Staff Data Engineer is responsible for ensuring that the organization has reliable, accessible, and well-organized data by designing and maintaining systems that process information in real time and in batches, defining a data strategy aligned with business goals, ensuring data quality and security, optimizing database performance, automating processes to increase efficiency, overseeing monitoring and rapid issue resolution, and providing leadership and guidance to other teams to ensure best practices in data usage and management\n","hostedUrl":"https://jobs.lever.co/payjoy/6ca046be-9f53-405e-9654-074a37e32652","applyUrl":"https://jobs.lever.co/payjoy/6ca046be-9f53-405e-9654-074a37e32652/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"San Francisco, CA","team":"Core Engineering","allLocations":["San Francisco, CA"]},"createdAt":1770912014328,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.
","id":"ac978469-904b-416b-aeeb-99289c26afa8","lists":[{"text":"Responsibilities","content":"\nSolve Critical Problems: Identify, prioritize, and solve technical challenges impacting growth.\nLead and Collaborate: Architect new solutions, Implement newer patterns/framework that other candidates can use and implement, Identify potential systemwide solutions, guide teams, ensuring solutions meet business goals and technical standards.\nMentor & Develop: Foster a culture of learning, guiding junior engineers.\nInnovate & Improve: Drive continuous improvement in our platform and processes.\n"},{"text":"Requirements","content":"\nBachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. \n12+ years of experience as Software Engineer, in a fast-paced, high-growth environment, working with cloud platforms such as AWS, GCP, or Azure.\nStrong expertise in backend development with proficiency in Python; as well both relational and NoSQL databases.\nSolid understanding of distributed systems, system design principles.\nA can-do attitude and creative, flexible problem solving abilities, and the ability to think critically in ambiguous situations.\nBeing a team player, that includes review, pair programming, collaboration in one task, mentoring or being mentored. \nStrong written and verbal communication skills, with the ability to present technical concepts to non-technical stakeholders.\nDesirable experience with mobile technologies or mobile payment systems with the fraud and identity aspects of fintech, as well in building and maintaining large-scale systems used by millions of users.\n"},{"text":"Benefits","content":"\n100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n$340 Monthly Commuter benefit\n401k Contribution of 3% of salary (up to IRS limits)\nHeadphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n20 Paid vacation days, unlimited sick leave\n"}],"salaryRange":{"min":310392,"max":324000,"currency":"USD","interval":"per-year-salary"},"text":"Staff Software Engineer - Payments","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.
","descriptionBodyPlain":"The Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Payments teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.\n","hostedUrl":"https://jobs.lever.co/payjoy/ac978469-904b-416b-aeeb-99289c26afa8","applyUrl":"https://jobs.lever.co/payjoy/ac978469-904b-416b-aeeb-99289c26afa8/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Product Development","location":"San Francisco, CA","team":"Core Engineering","allLocations":["San Francisco, CA"]},"createdAt":1768938803792,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Staff Engineer is responsible for leading our technical foundation for our Lending Systems teams (customer onboarding platforms, risk and offer engines, and partner-facing APIs) to drive innovation, while collaborating with other teams. The candidate must take on a mentoring role, design scalable systems, and influence cross-functional initiatives in a hands-on position where they will make key technical decisions and build critical services. \nOur Lending Systems team at PayJoy serves 9+ international markets, each with a tailored customer experience. You'll build flexible, maintainable systems that scale with our products and adapt to evolving market demands. You'll balance system complexity, design abstractions, and service encapsulation.\nThis is an Individual Contributor role focused on designing and executing improvements to our technical foundation.\n\n\n\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Staff Engineer is responsible for leading our technical foundation for our Lending Systems teams (customer onboarding platforms, risk and offer engines, and partner-facing APIs) to drive innovation, while collaborating with other teams. The candidate must take on a mentoring role, design scalable systems, and influence cross-functional initiatives in a hands-on position where they will make key technical decisions and build critical services.
\n
Our Lending Systems team at PayJoy serves 9+ international markets, each with a tailored customer experience. You'll build flexible, maintainable systems that scale with our products and adapt to evolving market demands. You'll balance system complexity, design abstractions, and service encapsulation.
\n
This is an Individual Contributor role focused on designing and executing improvements to our technical foundation.
\n
flows. Deliver solutions that improve performance, reliability, and developer experience.\nArchitect & Build Scalable Application Components\nDesign and implement robust APIs, backend services, and data models. Introduce modern frameworks and patterns that other engineers can adopt across the organization.\nLead Cross-Functional Engineering Initiatives. Partner with product, design, and engineering teams to define systemwide
solutions. Ensure UI, API, and database layers work cohesively and meet business and technical standards.\nMentor & Develop Engineering talent guide engineers through code reviews, pair programming, and architectural discussions. foster a culture of learning, quality, and thoughtful technical decision-making.\nContinuously Improve the Platform and evaluate existing systems, identify gaps, and drive modernization efforts
across frontend frameworks, service architecture, and data infrastructure requirements\n"},{"text":"Requirements","content":"\nEducation & Experience
Bachelor’s degree in computer science, software engineering, or related field.\n12+ years of experience building and scaling production systems in high-growth environments.\nUI, API, and Backend Expertise\nStrong proficiency in designing and implementing RESTful or event-driven APIs.\nExperience building user interfaces or frontend components that integrate with complex backend systems.\nDeep understanding of backend development in languages such as Java, Python, PHP, or similar.\nDatabase & Data Modeling Skills, hands-on experience with relational and NoSQL databases, schema design, query optimization, and data integrity patterns.\nDistributed Systems & Architecture solid understanding of system design, scalability, and distributed systems fundamentals.\nExperience with cloud platforms such as AWS, GCP, or Azure.\nStrong communication skills with the ability to explain technical concepts to non-technical stakeholders.\nDemonstrated ability to lead through influence, collaborate across teams, and mentor engineers at all levels.\nBonus Experience
Exposure to mobile technologies, mobile payments, or fintech systems involving fraud, identity, or high-volume transaction processing. Experience building or maintaining large-scale systems used by millions of users.\n"},{"text":"Benefits","content":"\n100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\n20 Paid vacation days, Flexible sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nHeadphone benefit, home office equipment allowance and wellness perks\n$340 Company-funded Commuter benefit\nCatered lunches\n"}],"salaryRange":{"min":310392,"max":337608,"currency":"USD","interval":"per-year-salary"},"text":"Staff Software Engineer, Customer Onboarding","country":"US","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Staff Engineer is responsible for leading our technical foundation for our Lending Systems teams (customer onboarding platforms, risk and offer engines, and partner-facing APIs) to drive innovation, while collaborating with other teams. The candidate must take on a mentoring role, design scalable systems, and influence cross-functional initiatives in a hands-on position where they will make key technical decisions and build critical services.
\n
Our Lending Systems team at PayJoy serves 9+ international markets, each with a tailored customer experience. You'll build flexible, maintainable systems that scale with our products and adapt to evolving market demands. You'll balance system complexity, design abstractions, and service encapsulation.
\n
This is an Individual Contributor role focused on designing and executing improvements to our technical foundation.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Lima","team":"Merchant Operations","allLocations":["Lima"]},"createdAt":1779130707417,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Strategy & Performance Analyst supports the Managers in executing key country-level and
global initiatives. The role ensures strategic priorities translate into execution through
cross-functional coordination and performance tracking. It delivers actionable insights to
leadership, enabling data-driven decision-making and business alignment.
","id":"cd908d02-b959-4ed9-98f0-1e8eb6000832","lists":[{"text":"Responsibilities|","content":"\nContribute to the design and execution of strategic initiatives, ensuring clear alignment
with business goals and measurable progress over time.\nConduct business analysis to support business case development and country-level
prioritization.\nConduct strategic research and competitive benchmarking to inform decision-making
and uncover growth opportunities.\nDesign and maintain dashboards and reports to support deeper analysis, standardize
reporting processes, and ensure data accuracy.\nDocument recurring processes that enable consistent performance tracking.\nAssist in the preparation of materials for internal business reviews, planning cycles, and
leadership updates.\nIdentify and implement process improvements to enhance operational efficiency and
scalability.\n"},{"text":"Qualifications","content":"\nBachelor’s degree in Finance, Quantitative Sciences, Economy, Engineering, Business
or similar.\n3+ years of experience in strategy and operations, management consulting from
top-tiers firms preferred.\nStrong analytical and data driven; proficiency in Excel, SQL and PowerPoint is
required. Familiarity with BI tools (e.g., Looker, Tableau, Power BI) is a plus.\nCommunication skills for effective collaboration.\nSelf-driven and results-driven, willing to work in a dynamic, high-change environment.\nExperience working with cross-functional teams and managing complex projects.\nDemonstrated ability to work cross-functionally and drive alignment across teams.\nComfortable with ambiguity and energized by building from scratch.\n"},{"text":"Benefits","content":"\n\n
100% Company-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n\n"}],"text":"Strategy & Performance Analyst","country":"PE","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Strategy & Performance Analyst supports the Managers in executing key country-level and
global initiatives. The role ensures strategic priorities translate into execution through
cross-functional coordination and performance tracking. It delivers actionable insights to
leadership, enabling data-driven decision-making and business alignment.
","descriptionBodyPlain":"","hostedUrl":"https://jobs.lever.co/payjoy/cd908d02-b959-4ed9-98f0-1e8eb6000832","applyUrl":"https://jobs.lever.co/payjoy/cd908d02-b959-4ed9-98f0-1e8eb6000832/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Merchant Operations","allLocations":["Mexico City, CDMX"]},"createdAt":1778007615137,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Strategy & Performance Manager supports the Senior Manager in executing key\ncountry-level and global initiatives. The role ensures strategic priorities translate into execution\nthrough cross-functional coordination and performance tracking. It delivers actionable insights\nto leadership, enabling data-driven decision-making and business alignment. This position plays\na critical role in helping the organization scale effectively while remaining focused on impact\nand results\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Strategy & Performance Manager supports the Senior Manager in executing key
country-level and global initiatives. The role ensures strategic priorities translate into execution
through cross-functional coordination and performance tracking. It delivers actionable insights
to leadership, enabling data-driven decision-making and business alignment. This position plays
a critical role in helping the organization scale effectively while remaining focused on impact
and results
","id":"d07d0071-798e-4fbc-b47e-d4cd73bb945b","lists":[{"text":"Key responsibilities","content":"● Contribute to the design and execution of strategic initiatives, ensuring clear alignment
with business goals and measurable progress over time.
● Conduct business analysis to support business case development and country-level
prioritization.
● Conduct strategic research and competitive benchmarking to inform decision-making
and uncover growth opportunities.
● Monitor and report on key KPIs, highlighting performance trends, execution gaps, and
actionable insights to guide leadership decisions.
● Design and maintain dashboards and reports to support deeper analysis, standardize
reporting processes, and ensure data accuracy.
● Track strategic goals and project milestones, proactively flagging misalignments, delays,
or execution risks.
● Collaborate across Sales, Growth, Operations, and other teams to align execution,
timelines and follow through on strategic priorities.
\n● Translate data and strategic objectives into actionable operational plans, while
documenting recurring processes that enable consistent performance tracking.
● Assist in the preparation of materials for internal business reviews, planning cycles, and
leadership updates.
● Identify and implement process improvements to enhance operational efficiency and
scalability.
"},{"text":"Qualifications ","content":"● Bachelor’s degree in Finance, Quantitative Sciences, Economy, Engineering, Business
or similar.
● 3+ years of experience in strategy and operations, management consulting from
top-tiers firms preferred.
● Strong analytical and data driven; proficiency in Excel, SQL and PowerPoint is
required. Familiarity with BI tools (e.g., Looker, Tableau, Power BI) is a plus.
● Communication skills for effective collaboration.
● Self-driven and results-driven, willing to work in a dynamic, high-change environment.
● Experience working with cross-functional teams and managing complex projects.
● Demonstrated ability to work cross-functionally and drive alignment across teams.
● Comfortable with ambiguity and energized by building from scratch.
"},{"text":"Benefits","content":"100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
"}],"text":"Strategy & Performance Manager","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Strategy & Performance Manager supports the Senior Manager in executing key
country-level and global initiatives. The role ensures strategic priorities translate into execution
through cross-functional coordination and performance tracking. It delivers actionable insights
to leadership, enabling data-driven decision-making and business alignment. This position plays
a critical role in helping the organization scale effectively while remaining focused on impact
and results
","descriptionBodyPlain":"The Strategy & Performance Manager supports the Senior Manager in executing key\ncountry-level and global initiatives. The role ensures strategic priorities translate into execution\nthrough cross-functional coordination and performance tracking. It delivers actionable insights\nto leadership, enabling data-driven decision-making and business alignment. This position plays\na critical role in helping the organization scale effectively while remaining focused on impact\nand results\n","hostedUrl":"https://jobs.lever.co/payjoy/d07d0071-798e-4fbc-b47e-d4cd73bb945b","applyUrl":"https://jobs.lever.co/payjoy/d07d0071-798e-4fbc-b47e-d4cd73bb945b/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Sales","allLocations":["Mexico City, CDMX"]},"createdAt":1779997049950,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Strategy & Performance Analyst supports the Managers in executing key country-level and global initiatives. The role ensures strategic priorities translate into execution through cross-functional coordination and performance tracking. It delivers actionable insights to leadership, enabling data-driven decision-making and business alignment. \n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Strategy & Performance Analyst supports the Managers in executing key country-level and global initiatives. The role ensures strategic priorities translate into execution through cross-functional coordination and performance tracking. It delivers actionable insights to leadership, enabling data-driven decision-making and business alignment.
\n
\n
\n- \n
Contribute to the design and execution of strategic initiatives, ensuring clear alignment with business goals and measurable progress over time.
\n \n- \n
Conduct business analysis to support business case development and country-level prioritization.
\n \n- \n
Conduct strategic research and competitive benchmarking to inform decision-making and uncover growth opportunities.
\n \n- \n
Design and maintain dashboards and reports to support deeper analysis, standardize reporting processes, and ensure data accuracy.
\n \n- \n
Document recurring processes that enable consistent performance tracking.
\n \n- \n
Assist in the preparation of materials for internal business reviews, planning cycles, and leadership updates.
\n \n- \n
Identify and implement process improvements to enhance operational efficiency and scalability.
\n \n\n
\n
● Bachelor’s degree in Finance, Quantitative Sciences, Economy, Engineering, Business or similar.
\n
● 3+ years of experience in strategy and operations, management consulting from top-tiers firms preferred.
\n
● Strong analytical and data driven; proficiency in Excel, SQL and PowerPoint is required. Familiarity with BI tools (e.g., Looker, Tableau, Power BI) is a plus.
\n
● Communication skills for effective collaboration.
\n
● Self-driven and results-driven, willing to work in a dynamic, high-change environment.
\n
● Experience working with cross-functional teams and managing complex projects.
\n
● Demonstrated ability to work cross-functionally and drive alignment across teams.
\n● Comfortable with ambiguity and energized by building from scratch.
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
"}],"text":"Strategy & Performance Senior Analyst","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Strategy & Performance Analyst supports the Managers in executing key country-level and global initiatives. The role ensures strategic priorities translate into execution through cross-functional coordination and performance tracking. It delivers actionable insights to leadership, enabling data-driven decision-making and business alignment.
\n
Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Huancayo","team":"Sales","allLocations":["Huancayo"]},"createdAt":1779305463683,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n\n\nEl Supervisor de Ventas será responsable de liderar la operación comercial de la región Centro, asegurando el cumplimiento de objetivos de originaciones, crecimiento de clientes activos, expansión territorial y correcta ejecución en campo. Liderará al equipo de Sales Representatives mediante coaching, acompañamientos en ruta, seguimiento de desempeño y capacitaciones constantes. Será responsable de implementar proyectos comerciales, asegurar estándares operativos, fortalecer relaciones con socios estratégicos y maximizar el potencial comercial de la región a través de planes de acción orientados a resultados y productividad sostenible.\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
El Supervisor de Ventas será responsable de liderar la operación comercial de la región Centro, asegurando el cumplimiento de objetivos de originaciones, crecimiento de clientes activos, expansión territorial y correcta ejecución en campo. Liderará al equipo de Sales Representatives mediante coaching, acompañamientos en ruta, seguimiento de desempeño y capacitaciones constantes. Será responsable de implementar proyectos comerciales, asegurar estándares operativos, fortalecer relaciones con socios estratégicos y maximizar el potencial comercial de la región a través de planes de acción orientados a resultados y productividad sostenible.
","id":"5c261282-e138-4d81-9856-b707e40c0364","lists":[{"text":"Responsabilidades","content":"\nLiderar y desarrollar al equipo de Sales Representatives para asegurar el cumplimiento de objetivos comerciales y crecimiento sostenible de la región.\nEjecutar acompañamientos en ruta y sesiones de coaching para fortalecer capacidades comerciales y mejorar desempeño del equipo.\nSupervisar la correcta implementación de proyectos, procesos y estándares operativos definidos por PayJoy.\nAnalizar KPIs comerciales y generar planes de acción enfocados en productividad, cobertura y calidad de ejecución.\nGarantizar entrenamientos continuos sobre herramientas, procesos y mejores prácticas comerciales.\nMantener relaciones sólidas con socios estratégicos y tiendas clave para asegurar crecimiento y estabilidad del negocio.\nDetectar oportunidades de expansión territorial y desarrollo de nuevos puntos de venta.\nAsegurar el uso adecuado de herramientas tecnológicas, CRM y reportes comerciales para una gestión eficiente del territorio.\n"},{"text":"Requerimientos","content":"\nBachiller o titulado en Administración, Marketing, Ingeniería Industrial, economía o carreras afines.\nExperiencia mínima de 3 años liderando equipos comerciales de campo.\nExperiencia en consumo masivo, telecomunicaciones, tecnología, retail, fintech o canales tradicionales.\nManejo intermedio/avanzado de Excel, PowerPoint, Google Sheets y herramientas CRM.\nConocimiento en análisis comercial, KPIs, ejecución en PDV y gestión de territorio.\nExperiencia realizando acompañamiento en ruta y coaching comercial.\nHabilidad de liderazgo, negociación, comunicación y resolución de problemas.\nAlta orientación a resultados y capacidad de manejo de equipos multidisciplinarios.\nDeseable experiencia manejando proyectos comerciales y herramientas digitales.\nDisponibilidad para viajes frecuentes dentro de la región Centro.\nInglés intermedio.\nManejo de herramientas de visualización y análisis de datos.\nExperiencia previa en fintech o empresas de tecnología comercial.\nConocimiento de metodologías de coaching y desarrollo de equipos.\nExperiencia trabajando con equipos multiculturales o estructuras regionales.\n"},{"text":"Beneficios","content":"\nSeguro de saludo para el empleado y familiares directos.\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.\n30 días de vacaciones\n$2,000 USD beneficio anual para Co-working travel\n$2,000 USD beneficio anual para desarrollo profesional.\n"}],"text":"Supervisor de Ventas","country":"PE","workplaceType":"hybrid","opening":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"El Supervisor de Ventas será responsable de liderar la operación comercial de la región Centro, asegurando el cumplimiento de objetivos de originaciones, crecimiento de clientes activos, expansión territorial y correcta ejecución en campo. Liderará al equipo de Sales Representatives mediante coaching, acompañamientos en ruta, seguimiento de desempeño y capacitaciones constantes. Será responsable de implementar proyectos comerciales, asegurar estándares operativos, fortalecer relaciones con socios estratégicos y maximizar el potencial comercial de la región a través de planes de acción orientados a resultados y productividad sostenible.
","descriptionBodyPlain":"El Supervisor de Ventas será responsable de liderar la operación comercial de la región Centro, asegurando el cumplimiento de objetivos de originaciones, crecimiento de clientes activos, expansión territorial y correcta ejecución en campo. Liderará al equipo de Sales Representatives mediante coaching, acompañamientos en ruta, seguimiento de desempeño y capacitaciones constantes. Será responsable de implementar proyectos comerciales, asegurar estándares operativos, fortalecer relaciones con socios estratégicos y maximizar el potencial comercial de la región a través de planes de acción orientados a resultados y productividad sostenible.\n","hostedUrl":"https://jobs.lever.co/payjoy/5c261282-e138-4d81-9856-b707e40c0364","applyUrl":"https://jobs.lever.co/payjoy/5c261282-e138-4d81-9856-b707e40c0364/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"People","location":"Jakarta","team":"Talent Acquisition","allLocations":["Jakarta"]},"createdAt":1776271294486,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nYou are an experienced Recruiter with full-cycle experience, from talent sourcing and attracting diverse candidates to interviewing and hiring employees who are a great fit for a successful, high-growth Series C Fintech company. The ideal candidate has the ability to perform Engineering and Go To Market recruiting processes.\n \nYou have demonstrated success collaborating with department leaders, especially engineering and product, to understand their teams and hiring needs. You are able to source and attract diverse candidates through a variety of innovative and creative means. Our ideal Recruiter holds an academic HR background combined with work experience in screening, interviewing, and assessing candidates. Ultimately, the responsibilities of the Recruiter are to ensure our company attracts, hires, and retains the best employees while growing a strong talent pipeline.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
You are an experienced Recruiter with full-cycle experience, from talent sourcing and attracting diverse candidates to interviewing and hiring employees who are a great fit for a successful, high-growth Series C Fintech company. The ideal candidate has the ability to perform Engineering and Go To Market recruiting processes.
\n
\nYou have demonstrated success collaborating with department leaders, especially engineering and product, to understand their teams and hiring needs. You are able to source and attract diverse candidates through a variety of innovative and creative means. Our ideal Recruiter holds an academic HR background combined with work experience in screening, interviewing, and assessing candidates. Ultimately, the responsibilities of the Recruiter are to ensure our company attracts, hires, and retains the best employees while growing a strong talent pipeline.
","id":"6bb8d5d2-2b59-4f03-b986-7fa910eee28d","lists":[{"text":"Responsibilities","content":"\nResponsible for the end-to-end recruitment process, from sourcing, screening, interviewing and managing candidates throughout the process.\nSupport Go to market teams with recruiting needs mainly.\nProactive sourcing of candidates to fill future positions. Create projects to ensure a solid pipeline of candidates.\nScreen and rank resumes and candidate applications based on job responsibilities.\nConduct pre-screening calls to analyze candidates' capabilities and culture fit. Interview candidates to assess their knowledge, skills, experience and aptitude.\nAct as point of contact with candidates, facilitating the interview process, scheduling interviews with hiring managers and interview teams, and building influential relationships with candidates during the selection process.\nBrand employer, being the spokesperson for PayJoy's culture to external candidates.\nUnderstand PayJoy's mission, products, services and culture in order to promote the company's reputation as a great place to work.\n"},{"text":"Requirements","content":"\nProven work experience as a Recruiter hiring multi-levels of all areas (Go to market).\nProven experience working closely with Senior Managers and Executives.\nProven experience recruiting for LATAM markets for fast paced environments/startups is a plus.\nHands-on experience with a variety of results-oriented sourcing methods.\nSolid ability to screen applicants and conduct different types of interviews.\nFamiliarity with Applicant Tracking Systems/ATS (Lever is a plus) as well as the ability to produce and report on recruiting activity.\nEnglish proficiency, Portuguese/Spanish is a plus.\n"},{"text":"Benefits","content":"\n100% Company Funded : Private Health Insurance for employee and immediate family\n20 days vacation\nPhone finance, Headphone, home office equipment and wellness perks\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Talent Acquisition Partner","country":"ID","workplaceType":"onsite","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"You are an experienced Recruiter with full-cycle experience, from talent sourcing and attracting diverse candidates to interviewing and hiring employees who are a great fit for a successful, high-growth Series C Fintech company. The ideal candidate has the ability to perform Engineering and Go To Market recruiting processes.
\n
\nYou have demonstrated success collaborating with department leaders, especially engineering and product, to understand their teams and hiring needs. You are able to source and attract diverse candidates through a variety of innovative and creative means. Our ideal Recruiter holds an academic HR background combined with work experience in screening, interviewing, and assessing candidates. Ultimately, the responsibilities of the Recruiter are to ensure our company attracts, hires, and retains the best employees while growing a strong talent pipeline.
","descriptionBodyPlain":"You are an experienced Recruiter with full-cycle experience, from talent sourcing and attracting diverse candidates to interviewing and hiring employees who are a great fit for a successful, high-growth Series C Fintech company. The ideal candidate has the ability to perform Engineering and Go To Market recruiting processes.\n \nYou have demonstrated success collaborating with department leaders, especially engineering and product, to understand their teams and hiring needs. You are able to source and attract diverse candidates through a variety of innovative and creative means. Our ideal Recruiter holds an academic HR background combined with work experience in screening, interviewing, and assessing candidates. Ultimately, the responsibilities of the Recruiter are to ensure our company attracts, hires, and retains the best employees while growing a strong talent pipeline.\n","hostedUrl":"https://jobs.lever.co/payjoy/6bb8d5d2-2b59-4f03-b986-7fa910eee28d","applyUrl":"https://jobs.lever.co/payjoy/6bb8d5d2-2b59-4f03-b986-7fa910eee28d/apply"},{"additionalPlain":"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.\n \nPayJoy Principles\n \nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening\n","additional":"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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"department":"People","location":"Bangalore","team":"Talent Acquisition","allLocations":["Bangalore"]},"createdAt":1776271122943,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nWe are looking for a Senior Manager, Talent Acquisition to establish and scale our recruiting function in India. This is a foundational, high-impact role. You will be the first TA leader in the country, responsible for building strategy, processes, and market presence from the ground up.\nThis role is ideal for someone who thrives in ambiguity, operates with a high degree of autonomy, and is excited to build and scale in a fast-growing, global environment.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
We are looking for a Senior Manager, Talent Acquisition to establish and scale our recruiting function in India. This is a foundational, high-impact role. You will be the first TA leader in the country, responsible for building strategy, processes, and market presence from the ground up.
\n
This role is ideal for someone who thrives in ambiguity, operates with a high degree of autonomy, and is excited to build and scale in a fast-growing, global environment.
\n
\n\n
Build from scratch: Design and execute the Talent Acquisition strategy for India, aligned with global hiring goals\nStrategic partnership: Act as a trusted advisor to business leaders, influencing hiring plans and talent decisions\nCreate scalable processes: Establish recruiting workflows, tools, metrics, and best practices for long-term growth\nOwn hiring outcomes: Drive full-cycle recruiting across functions, ensuring quality, speed, and strong candidate experience\nLocal market expert: Develop deep knowledge of the Indian talent landscape, including competitive intelligence and employer branding\nFuture team building: Lay the foundation to hire and lead a local TA team as the company grows\n\n"},{"text":"Requirements","content":"\n\n
8+ years of experience in Talent Acquisition, including experience in fast-paced, high-growth environments\nProven track record of building or scaling recruiting functions (startup or new market experience strongly preferred)\nStrong ability to operate independently with minimal structure\nExperience partnering with senior stakeholders and influencing hiring strategies\nData-driven mindset with experience defining and tracking recruiting metrics\nDeep understanding of the India talent market across key functions (e.g., Tech, G&A, Operations)\nStrong communication skills in English\n\n"}],"text":"Talent Acquisition Senior Manager","country":"IN","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
We are looking for a Senior Manager, Talent Acquisition to establish and scale our recruiting function in India. This is a foundational, high-impact role. You will be the first TA leader in the country, responsible for building strategy, processes, and market presence from the ground up.
\n
This role is ideal for someone who thrives in ambiguity, operates with a high degree of autonomy, and is excited to build and scale in a fast-growing, global environment.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Bogotá, Bogotá D.C.","team":"Marketing","allLocations":["Bogotá, Bogotá D.C.","Mexico City, CDMX","Sao Paulo"]},"createdAt":1778003109468,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\n\nWe are looking for a Telesales Manager to lead the evolution of our sales channel into a scalable, AI-driven model. In this role, I will define the channel strategy, optimize the customer journey, and drive growth through tools such as voice bots, automation, and API integrations. I will own both the telesales channel and the AI solutions that power it, leading their implementation and continuous improvement in close collaboration with Product, Marketing, Brand, and Operations teams across a global scope (Mexico and Brazil). This is an individual contributor role with high exposure to multiple stakeholders, ideal for someone with a strong analytics background (SQL is a must, along with dashboarding and performance monitoring), experience in commercial and martech environments, and a clear focus on results, conversion, and customer experience. Advanced English is required.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
\n
\n\n
\n
\n
\n
\n
\n
We are looking for a Telesales Manager to lead the evolution of our sales channel into a scalable, AI-driven model. In this role, I will define the channel strategy, optimize the customer journey, and drive growth through tools such as voice bots, automation, and API integrations. I will own both the telesales channel and the AI solutions that power it, leading their implementation and continuous improvement in close collaboration with Product, Marketing, Brand, and Operations teams across a global scope (Mexico and Brazil). This is an individual contributor role with high exposure to multiple stakeholders, ideal for someone with a strong analytics background (SQL is a must, along with dashboarding and performance monitoring), experience in commercial and martech environments, and a clear focus on results, conversion, and customer experience. Advanced English is required.
\n
\n
\n
\n
\n
\n
\n
\n\n
\nOwn the telesales AI agent development process: identify new use cases, build and deploy agents, and continuously iterate to improve conversion and retention rates.
\n\n
\nLead the evaluation, integration, and deployment of new vendors and tools to enhance telesales capabilities.
\n\n
\nDefine and enforce best practices across the telesales channel, ensuring quality, consistency, and compliance in all customer interactions.
\n\n
\nCollaborate with Marketing, Product, and Product Marketing teams to surface insights from customer conversations and translate them into improvements to customer-facing aspects of the product.
\n\n
\nPartner with the Analytics team to establish measurement frameworks, track channel KPIs, and report on performance with accuracy and rigor.
\n\n\n
Bachelor's degree in an analytical or technical field (e.g., Engineering, Mathematics, Computer Science, Economics) with demonstrated experience in marketing.
\n\n\nStrong understanding of AI tools and the technical aspects involved in their deployment and integration.
\n\n\nExperience managing external vendors and technology partners.
\n\n\nProven track record of building AI-driven solutions that deliver measurable business results.
\n\n\nExcellent project management skills with the ability to communicate effectively across functions and levels of seniority.
\n\n\nFluency in English (written and spoken).
\n\n\nAdvanced level of SQL
\n\n\nExperience designing and interpreting A/B tests.
\n\n\nNice to Have
\n\n\nHands-on experience working within or alongside sales channels.
\n\n"},{"text":"Benefits ","content":"\nLocal benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches \n"}],"text":"Telesales Manager","country":"CO","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
\n
\n\n
\n
\n
\n
\n
\n
We are looking for a Telesales Manager to lead the evolution of our sales channel into a scalable, AI-driven model. In this role, I will define the channel strategy, optimize the customer journey, and drive growth through tools such as voice bots, automation, and API integrations. I will own both the telesales channel and the AI solutions that power it, leading their implementation and continuous improvement in close collaboration with Product, Marketing, Brand, and Operations teams across a global scope (Mexico and Brazil). This is an individual contributor role with high exposure to multiple stakeholders, ideal for someone with a strong analytics background (SQL is a must, along with dashboarding and performance monitoring), experience in commercial and martech environments, and a clear focus on results, conversion, and customer experience. Advanced English is required.
\n
\n
\n
\n
\n
\n
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Mexico City, CDMX","team":"Marketing","allLocations":["Mexico City, CDMX"]},"createdAt":1778602185666,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThis position is responsible for owning and managing the day-to-day operations of the Telesales channel for Personal Finance (PF), across both inbound and outbound streams. The Telesales Operations Supervisor ensures the channel consistently delivers against SLAs, maintains healthy acquisition costs, and drives sales conversion rates. The role has full ownership of operations, procedures, BPO management, CAC, and sales conversion rate performance.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
This position is responsible for owning and managing the day-to-day operations of the Telesales channel for Personal Finance (PF), across both inbound and outbound streams. The Telesales Operations Supervisor ensures the channel consistently delivers against SLAs, maintains healthy acquisition costs, and drives sales conversion rates. The role has full ownership of operations, procedures, BPO management, CAC, and sales conversion rate performance.
\n
\n\n
\nOwn the end-to-end telesales operations: ensure BPO partners deliver against agreed SLAs, monitor and control CAC and incremental CAC, and plan, deploy, and iterate on campaigns according to business needs and priorities.
\n\n
\nOwn and manage the tooling stack used by the telesales team, ensuring tools are properly configured, maintained, and leveraged to maximize operational efficiency.
\n\n
\nDefine and enforce operational best practices across the telesales channel, ensuring quality, consistency, and compliance in all customer interactions.
\n\n
\nCollaborate with Marketing, Product, and Product Marketing teams to surface insights from customer conversations and translate them into improvements to customer-facing aspects of the product.
\n\n
\nPartner with the Analytics team to establish measurement frameworks, track channel KPIs, and report on performance with accuracy and rigor.
\n\n\n
Bachelor's degree in Marketing, Business, or a related field — or equivalent practical experience in a similar role.
\n\n\nStrong understanding of D2C sales operations, including inbound and outbound channel dynamics.
\n\n\nProven experience managing BPO partners and coordinating across cross-functional stakeholders.
\n\n\nExcellent project management and communication skills, with the ability to operate effectively across functions and levels of seniority.
\n\n\nIntermediate to advanced SQL skills.
\n\n\nHands-on experience working within or alongside sales channels.
\n\n\nNice to Have
\n\n\nExperience designing and interpreting A/B tests.
\n\n"},{"text":"Benefits","content":"\n\n
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium\n13% Saving funds\n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nCatered lunches\n\n"}],"text":"Telesales Operations Supervisor","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
This position is responsible for owning and managing the day-to-day operations of the Telesales channel for Personal Finance (PF), across both inbound and outbound streams. The Telesales Operations Supervisor ensures the channel consistently delivers against SLAs, maintains healthy acquisition costs, and drives sales conversion rates. The role has full ownership of operations, procedures, BPO management, CAC, and sales conversion rate performance.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Financial Operations","allLocations":["Mexico City, CDMX","Bogotá, Bogotá D.C."]},"createdAt":1774639410432,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nTheTools & Metrics Manager is a hands-on, technically focused role within Business Operations responsible for building, maintaining, and improving the tooling, automation, and overall systems that support PayJoy’s sales operational teams. This role reports directly to the Tools & Metrics Senior Manager and serves as an execution owner for the BizOps tooling roadmap.\nThis person will spend most of their time configuring systems, implementing workflows, supporting integrations, maintaining data quality, and producing reliable reporting used by SalesOps, FinOps, Merchant Ops, SDR, and Lock Operations teams. The role is ideal for someone who is highly technical, detail-oriented, and eager to grow into broader system ownership over time.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
\n
The Tools & Metrics Manager is a hands-on, technically focused role within Business Operations responsible for building, maintaining, and improving the tooling, automation, and overall systems that support PayJoy’s sales operational teams. This role reports directly to the Tools & Metrics Senior Manager and serves as an execution owner for the BizOps tooling roadmap.
\n
This person will spend most of their time configuring systems, implementing workflows, supporting integrations, maintaining data quality, and producing reliable reporting used by SalesOps, FinOps, Merchant Ops, SDR, and Lock Operations teams. The role is ideal for someone who is highly technical, detail-oriented, and eager to grow into broader system ownership over time.
\n
\n\n
\nConfigure, maintain, and improve BizOps tooling including CRM systems, automation platforms, compensation tools, and reporting frameworks
\n\n
\nImplement and maintain workflow automations such as lead routing, approvals, task creation, scoring logic, and status transitions
\n\n
\nSupport integrations and data flows between systems using APIs, webhooks, and automation builders
\n\n
\nMonitor data quality and system behavior, investigate discrepancies, and help identify root causes and permanent fixes
\n\n
\nBuild and maintain operational reports and dashboards used by SalesOps, FinOps, and country leadership
\n\n
\nExecute tooling requests prioritized by the Tools & Metrics Senior Manager and provide clear status updates
\n\n
\nMaintain clear documentation of workflows, system logic, and configuration changes to ensure auditability and continuity
\n\n\n
\n\n
\nTwo to four years of experience in Business Operations, Sales Operations, Revenue Operations, Systems, or Analytics roles
\n\n
\nStrong technical fluency with CRM systems, automation tools, and structured data
\n\n
\nHands-on experience with integrations, APIs, webhooks, or automation builders
\n\n
\nProven ability to translate clear requirements into system configurations and workflows
\n\n
\nHigh attention to detail, strong execution discipline, and comfort operating in complex systems
\n\n\n
\n\n
\nLocal benefits depending on the country of hire
\n\n
\nCompany-funded health insurance for employee and immediate family
\n\n
\nCompany-funded employee life and disability insurance
\n\n
\nPaid vacation days, unlimited sick leave
\n\n
\n$2,000 USD annual Co-working Travel perk
\n\n
\n$2,000 USD annual Professional Development perk
\n\n
\nPhone finance, headphone benefit, home office equipment allowance and wellness perks
\n\n
\nCatered lunches
\n\n\n
About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"\n
The Tools & Metrics Manager is a hands-on, technically focused role within Business Operations responsible for building, maintaining, and improving the tooling, automation, and overall systems that support PayJoy’s sales operational teams. This role reports directly to the Tools & Metrics Senior Manager and serves as an execution owner for the BizOps tooling roadmap.
\n
This person will spend most of their time configuring systems, implementing workflows, supporting integrations, maintaining data quality, and producing reliable reporting used by SalesOps, FinOps, Merchant Ops, SDR, and Lock Operations teams. The role is ideal for someone who is highly technical, detail-oriented, and eager to grow into broader system ownership over time.
\n
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.
\n
\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Operations","location":"Mexico City, CDMX","team":"Financial Operations","allLocations":["Mexico City, CDMX"]},"createdAt":1769810963320,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThe Senior Tools & Metrics Sr Manager is responsible for translating business problems into structured technical solutions, defining a global tooling roadmap, and ensuring that data flows, workflows, and reporting frameworks are clean, automated, and auditable across Operations functional areas, guaranteeing that teams have the best tools and processes to perform their work in a scalable, reliable, and automated manner, driving initiatives and executing with speed, accuracy, and consistency across all markets.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
The Senior Tools & Metrics Sr Manager is responsible for translating business problems into structured technical solutions, defining a global tooling roadmap, and ensuring that data flows, workflows, and reporting frameworks are clean, automated, and auditable across Operations functional areas, guaranteeing that teams have the best tools and processes to perform their work in a scalable, reliable, and automated manner, driving initiatives and executing with speed, accuracy, and consistency across all markets.
","id":"53afa763-7bf6-46b3-8a01-b21e66372aaf","lists":[{"text":"Key Responsibilities","content":"\nOwn and scale the Business Operations tooling ecosystem, including Customer Relationship Management systems, automation platforms, compensation tools, and reporting frameworks.\nTranslate business requirements into clear technical specifications, workflow designs, data models, and automation rules.\nDesign and maintain end-to-end workflows, such as lead flows, approval processes, routing logic, scoring models, and automation layers.\nMonitor data quality and system performance, proactively identifying root causes and implementing permanent solutions.\nBuild and maintain reporting frameworks used by Sales Operations, Financial Operations, and country leadership to ensure metric consistency worldwide.\nCollaborate with Engineering, Data, and Product teams on integrations, application programming interface work, and any cross-system dependencies that affect Business Operations tooling.\nLead the global intake and prioritization process for Business Operations tooling requests, ensuring structured evaluation and timely delivery.\nManage vendor relationships and evaluate new tools that could strengthen Business Operations capabilities.\n\n
"},{"text":"Qualifications","content":"\nDegree in Engineering, Business, Economics, Computer Science, Data Analytics, or any field that combines structured thinking with problem solving\nExperience in Business Operations, Sales Operations, Revenue Operations, Product or Systems roles with ownership of operational tooling for high growth companies or environments with multi country operations\nStrong technical fluency including integrations, APIs, webhooks, automation builders, and data structures\nProven ability to design scalable processes and translate business needs into technical requirements\nExperience managing CRM or operational tooling across multiple countries or fast growing environments\nExceptional structure, documentation discipline, and ability to create clarity in complex systems\nBackground in organizations where data driven decision making, structured processes, and cross functional collaboration were essential\nComfort working with both business teams and technical teams and ability to bridge communication between the two\n"},{"text":"Benefits ","content":"\n100% Company-funded Health and dental and vision discount plan for employees and immediate family members.\nLife insurance.\nPhone finance, Headphone, home office equipment and wellness perks.\n30 days of Christmas bonus\n20 days paid Vacation\n50% Vacation premium\n13% Saving funds\n$2,000 MXN monthly grocery coupons\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\n"}],"text":"Tools and Metrics Senior Manager","country":"MX","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"The Senior Tools & Metrics Sr Manager is responsible for translating business problems into structured technical solutions, defining a global tooling roadmap, and ensuring that data flows, workflows, and reporting frameworks are clean, automated, and auditable across Operations functional areas, guaranteeing that teams have the best tools and processes to perform their work in a scalable, reliable, and automated manner, driving initiatives and executing with speed, accuracy, and consistency across all markets.
","descriptionBodyPlain":"The Senior Tools & Metrics Sr Manager is responsible for translating business problems into structured technical solutions, defining a global tooling roadmap, and ensuring that data flows, workflows, and reporting frameworks are clean, automated, and auditable across Operations functional areas, guaranteeing that teams have the best tools and processes to perform their work in a scalable, reliable, and automated manner, driving initiatives and executing with speed, accuracy, and consistency across all markets.\n","hostedUrl":"https://jobs.lever.co/payjoy/53afa763-7bf6-46b3-8a01-b21e66372aaf","applyUrl":"https://jobs.lever.co/payjoy/53afa763-7bf6-46b3-8a01-b21e66372aaf/apply"},{"additionalPlain":"Principios de PayJoy\n \nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.\n","additional":"Principios de PayJoy
\n
\nEn PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Lima","team":"Marketing","allLocations":["Lima"]},"createdAt":1778793594178,"descriptionPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n\n\nEsta posición es una excelente oportunidad para profesionales de marketing que quieran desarrollar estrategias de trade marketing en entornos dinámicos y multiculturales, combinando canales tradicionales y digitales.\nEl Marketing Analyst tendrá un rol clave en la ejecución de campañas promocionales, activaciones en tienda, iniciativas digitales y programas de retención, trabajando de manera cross-functional con equipos de ventas, operaciones y marketing.\nLa posición ofrece exposición regional, participación en proyectos innovadores como e-commerce y call center sales, y la posibilidad de trabajar con herramientas de automatización, análisis de datos y optimización de campañas en industrias de rápido crecimiento como fintech y retail.\n","description":"Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
\n
Esta posición es una excelente oportunidad para profesionales de marketing que quieran desarrollar estrategias de trade marketing en entornos dinámicos y multiculturales, combinando canales tradicionales y digitales.
\n
El Marketing Analyst tendrá un rol clave en la ejecución de campañas promocionales, activaciones en tienda, iniciativas digitales y programas de retención, trabajando de manera cross-functional con equipos de ventas, operaciones y marketing.
\n
La posición ofrece exposición regional, participación en proyectos innovadores como e-commerce y call center sales, y la posibilidad de trabajar con herramientas de automatización, análisis de datos y optimización de campañas en industrias de rápido crecimiento como fintech y retail.
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\n\n
\nCoordinar múltiples campañas y activaciones simultáneamente en diferentes canales y procesos de perú.
\n\n
\nTrabajar en ambientes dinámicos y orientados a resultados con foco en excelencia operativa.
\n\n
\nAnalizar grandes volúmenes de datos para convertir insights en acciones concretas.
\n\n
\nAlinear stakeholders internos y externos (agencias, proveedores, ventas y operaciones).
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\nOptimizar campañas y programas de retención mediante pruebas A/B y análisis de performance.
\n\n
\nMantener consistencia de marca y experiencia del cliente en todos los puntos de contacto.
\n\n
\nAdaptarse rápidamente a nuevos canales y tecnologías de marketing.
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\nLlevar el control del gasto y presupuesto.
\n\n\n
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\nSeguro de salud para el empleado y familiares directos.
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\nFinanciamiento para teléfono, audífonos, equipo para oficina en casa y beneficios de bienestar.
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\n30 días de vacaciones.
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\n$2,000 USD beneficio anual para Co-working travel.
\n\n
\n$2,000 USD beneficio anual para desarrollo profesional.
\n\n\n
Acerca de PayJoy
\n
\nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.
\n
\n
\nAcerca del rol
","openingPlain":"Acerca de PayJoy\n \nPayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.\n \n \nAcerca del rol\n","descriptionBody":"\n
Esta posición es una excelente oportunidad para profesionales de marketing que quieran desarrollar estrategias de trade marketing en entornos dinámicos y multiculturales, combinando canales tradicionales y digitales.
\n
El Marketing Analyst tendrá un rol clave en la ejecución de campañas promocionales, activaciones en tienda, iniciativas digitales y programas de retención, trabajando de manera cross-functional con equipos de ventas, operaciones y marketing.
\n
La posición ofrece exposición regional, participación en proyectos innovadores como e-commerce y call center sales, y la posibilidad de trabajar con herramientas de automatización, análisis de datos y optimización de campañas en industrias de rápido crecimiento como fintech y retail.
\n
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.
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\n\n
\nFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
","categories":{"commitment":"Full-Time","department":"Go To Market","location":"Bogotá, Bogotá D.C.","team":"Marketing","allLocations":["Bogotá, Bogotá D.C.","Mexico City, CDMX","Sao Paulo"]},"createdAt":1778280126230,"descriptionPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n\n\nThis position is responsible for leading the global website strategy and ensuring creative, content, and brand consistency across all markets. This role manages the global web content calendar, collaborates closely with regional marketing and creative teams, and oversees external agencies to ensure high-quality execution and alignment with brand objectives.\n","description":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
This position is responsible for leading the global website strategy and ensuring creative, content, and brand consistency across all markets. This role manages the global web content calendar, collaborates closely with regional marketing and creative teams, and oversees external agencies to ensure high-quality execution and alignment with brand objectives.
","id":"4e52518c-5b13-47b9-a956-a1afb71f9f9e","lists":[{"text":"Key responsibilities","content":"\n\n
\nDefine and manage the global website content to support brand, campaign, and product goals.
\n\n
\nOversee content updates, launches, and optimizations across global and local web pages.
\n\n
\nEnsure SEO/AEO/ GEO best practices and user experience (UX) principles are applied globally.
\n\n
\nPartner with creative and brand teams to maintain a cohesive look and tone of voice across all digital touchpoints.
\n\n
\nProvide brand and creative guidelines to regional teams and agencies.
\n\n
\nCollaborate with local marketing teams to adapt and localize global campaigns for regional websites.
\n\n
\nAct as the main liaison between global and regional web managers to ensure alignment on priorities, content launches, and performance goals.
\n\n
\nGather insights and feedback from local markets to inform global web strategy.
\n\n
\nManage relationships with digital and creative agencies, including web developers, UX/UI designers, and content partners.
\n\n
\nDefine project briefs, timelines, and deliverables for agency-led website initiatives.
\n\n
\nMonitor performance and quality of agency output against agreed KPIs
\n\n
\nWork with analytics teams to track website KPIs, including traffic, engagement, and conversion rates.
\n\n\n
\n\n
\nBachelor’s degree in Marketing, Communications, Digital Media, or related field.
\n\n
\n5+ years of experience in web content management, digital marketing, or global brand management.
\n\n
\nStrong understanding of CMS platforms (e.g., WordPress, AEM, Contentful).
\n\n
\nExperience working with creative and digital agencies.
\n\n
\nExcellent project management and cross-functional communication skills.
\n\n
\nFluency in English; additional languages are a plus.
\n\n
\nGlobal or regional experience (multi-market coordination) strongly preferred.
\n\n
\nStrategic thinker with a creative eye and operational discipline.
\n\n
\nStrong collaborator who can balance global brand standards with local market needs.
\n\n
Hands-on experience with Webflow or similar web design platforms.\n
\nAdvance understanding of HTML and CSS for content editing or QA.
\n\n
\nFamiliarity with SQL and data analytics for performance reporting.
\n\n
\nExposure to A/B testing and personalization tools.
\n\n\n
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Local benefits depending on the country of hire\nCompany-funded health insurance for employee and immediate family\nCompany-funded employee life and disability insurance\nPaid vacation days, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks\nCatered lunches\n\n"}],"text":"Web Manager","country":"CO","workplaceType":"hybrid","opening":"About PayJoy
\n
\nPayJoy, 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.
\n
\nThis role
","openingPlain":"About PayJoy\n \nPayJoy, 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.\n \nThis role\n","descriptionBody":"This position is responsible for leading the global website strategy and ensuring creative, content, and brand consistency across all markets. This role manages the global web content calendar, collaborates closely with regional marketing and creative teams, and oversees external agencies to ensure high-quality execution and alignment with brand objectives.
","descriptionBodyPlain":"This position is responsible for leading the global website strategy and ensuring creative, content, and brand consistency across all markets. This role manages the global web content calendar, collaborates closely with regional marketing and creative teams, and oversees external agencies to ensure high-quality execution and alignment with brand objectives.\n","hostedUrl":"https://jobs.lever.co/payjoy/4e52518c-5b13-47b9-a956-a1afb71f9f9e","applyUrl":"https://jobs.lever.co/payjoy/4e52518c-5b13-47b9-a956-a1afb71f9f9e/apply"}]