PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide.
Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.

PayJoy

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account-manager

PayJoy is a company that provides credit opportunities through a unique 'buy now, pay later' model, particularly focusing on smartphones. It allows customers to acquire smartphones without needing a credit card or bank account by paying in installments over 3-12 months. PayJoy's model is aimed at facilitating access to mobile technology and financial services for consumers in various countries who may not have access to traditional banking facilities. The company operates in multiple regions including Mexico, Panama, Peru, Ecuador, Brazil, Colombia, South Africa, and the Philippines. It also offers cash loans approved in minutes using a smartphone, making it a quick and efficient way for people to manage their financial needs.

PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.

• Build and maintain commercial relationships with customers in the region of operation, boosting the business, increasing revenue and ensuring your partners are actively selling every month.
• Maintain contact with our partners' managers and decision-makers to meet their requirements and follow up on planning.
• Enhance the effectiveness of partner sales teams, fostering a deeper understanding of PayJoy’s offerings and strengthening the overall customer experience, through regular store visits and tailored training for sales staff.
• Manage sales representatives who will be tasked with supporting your partners.
• Analyze and interpret data for decision-making, communicating progress, needs,  points of improvement and opportunity for growth of the assigned territories.
• Research the market and analyze the performance of the competition to develop effective sales strategies for the assigned area and track sales trends to adjust plans and actions.

Territory Manager

Territory Manager responsible for expanding business partner portfolios for PayJoy in Arequipa, Peru. Building relationships and driving sales growth through innovative solutions and training initiatives.

full-stack-engineer

• Collaborate with global teams including Risk, Fraud, Engineering and Product to deliver world-class data science products to international markets, including decisioning APIs and external integrations for real time data consumption.
• Own the life cycle (design, development, deployment, delivery and monitoring) of the APIs that power 300 million transactions per month and ensure they have optimal performance.
• Drive the integration with 3rd parties and other internal sources of data for enrichment and machine learning inference.
• Work with a data-driven mindset and understand the critical importance of handling data properly and safely.
• Organize frameworks and develop processes in our codebase so that the easy and default coding style is cleanly structured.
• Mentor other engineers and data scientists about best practices in engineering

Software Engineer

Software Engineer responsible for developing backend systems to support machine learning deployment. Collaborating with global teams and managing high performance APIs for financial services in emerging markets.

attorney

• Develop and implement the company's legal strategy to support expansion in a country(ies), participating in the company’s international expansion and ensuring alignment with the global legal and compliance program.
• Provide legal services and guidance to the organization, including in matters related to product advisory, Intellectual Property protection, managing and negotiating a wide range of business contracts, labour law, company law and corporate governance, privacy, KYC/AML/Sanctions, amongst others.
• Oversee compliance with regulatory requirements, including data protection, local legislation and corporate governance. Develop and implement legal and compliance frameworks harmonized with the company’s global compliance infrastructure.
• Provide strategic advice, legal risk assessments and mitigation strategies to the business leadership and the management team.  In collaboration with the executive management, manage various complex legal projects.
• Liaise with and manage relationships with external law firms across multiple jurisdictions.
• Lead dispute resolution, litigation management, and regulatory investigations when necessary.
• Support corporate structuring and any M&A activities as the company scales.
• Develop and review legal and compliance policies and procedures.
• As the business expands, hire, lead and train an effective internal L&C team.
• Contribute to the global legal department’s knowledge-sharing, policy development, and strategic initiatives, acting as a regional leader aligned with a global mandate.


Legal and Compliance Manager

Corporate Counsel responsible for legal guidance on contracts, compliance, and mergers for PayJoy. Ensuring legality and protection of interests during international expansion projects.

product-designer

• Own insights on the D2C checkout experience; maintain a live opportunity map, define hypotheses and prioritize high-leverage fixes to lift conversion and reduce friction.
• Translate insights into shippable solutions with navigable prototypes and complete specs (states, edge cases, copy, error/recovery paths, responsiveness) ready for Engineering.
• Collaborate to define the experience tracking pre-release with PM/Data; Run reviews with PM and stakeholders, documenting results and feeding learnings back into the roadmap.
• Co-create localized, reusable patterns with Engineering (and Content/Legal) for checkout components and flows. Seed a Design System by documenting guidelines, patterns and tokens.
• Safeguard UX quality via design QA and ensure accessibility standards (e.g, WCAG). Run a baseline-then-improve approach to usability, defining guardrails with PMs, measure top-task performance, and prevent experience regressions.
• Drive tight cadences (weekly triad, design crits, reviews), surface risks/decisions early, and keep a transparent changelog and improvements backlog.

Product Designer

collections

• Explicación y atención al cliente con cualquier información relacionada con su financiamiento, validación y aplicación de pagos.
• Realizar llamadas telefónicas de acuerdo a la cartera asignada para contactar a los distintos Comercios y clientes realizando la gestión de cobranza solicitada.
• Recuperar 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.
• Cumplir con las metas establecidas, cumpliendo con las políticas, guiones, guión, procedimientos y trato con los clientes.
• Ayudar a mejorar las estrategias de cobranza que ya tenemos implementadas.

Collections Representative

Collections Representative assisting customers with payment inquiries at PayJoy. Recovering overdue payments and improving collection strategies while maintaining effective communication.

operations

- Monitorear y analizar transacciones para detectar posibles actividades fraudulentas, asegurándose de que se cumplan las estrategias y los procedimientos de prevención del fraude.
- Investigar y resolver los casos de fraude denunciados, asegurándose de que la documentación sea precisa y oportuna.
- Desarrollar e implementar estrategias y procedimientos de prevención del fraude.
- Colaborar con los equipos de atención al cliente y operaciones para abordar y mitigar los riesgos de fraude.
- Realizar evaluaciones periódicas del riesgo de fraude y brindar recomendaciones para mejorar.
- Preparar y presentar informes detallados sobre las tendencias de fraude y las medidas de prevención cuando se lo soliciten.
- Colaborar con los equipos de productos, ventas, atención al cliente, etc. para abordar y mitigar los riesgos de fraude.
- Ayudar en la capacitación y educación de los miembros del equipo sobre la prevención y detección del fraude.

Fraud Operations Representative

Fraud Operations Representative responsible for investigating fraud cases at leading financial service provider. Utilizing advanced fraud detection technology to protect customer assets while ensuring compliance.

manager

• Own sales partner engagement and top-of-funnel engagement for technical integration, leading initial discussions and assessing business and technical needs.
• Conduct technical and business discovery to align partner requirements with the most suitable integration path.
• Closely collaborate with local go-to-market teams to prioritize the (potential) partners to engage with
• Utilize API documentation and testing tools to validate partner integration readiness and troubleshoot basic issues.
• Develop structured integration roadmaps, ensuring a smooth transition from discovery to implementation.
• Build and optimize the partner onboarding process, ensuring scalability and efficiency.
• Collaborate with other Product and Engineering teams to ensure alignment and collaboration for more complex integrations
• Track and analyze partner engagement metrics and collect qualitative feedback from partners as an input for product development.
• Act as the primary liaison between partners and internal teams in terms of technical integrations, ensuring alignment and long-term success.

Senior Partnership Development Manager

Senior Product Partner Development Manager driving early-stage engagement and integrations for partners at PayJoy. Focusing on technical integration opportunities to enhance partner collaboration.

PayJoy

About the company

Open jobs

43 jobs found

Territory Manager

PayJoy

Software Engineer

PayJoy

Legal and Compliance Manager

PayJoy

Product Designer

PayJoy

Collections Representative

PayJoy

Fraud Operations Representative

PayJoy

Senior Partnership Development Manager

PayJoy