Optimization Project Manager - Join PayJoy's Vision

About PayJoyAt PayJoy, we are driven by a mission to empower underserved communities in emerging markets to attain financial stability and success. Our innovative secured credit technology serves as a gateway for new customers to access the credit system. Through our point-of-sale financing and credit card solutions, we enhance our customers' quality of life, allowing them to embrace opportunities as micro-entrepreneurs while also providing a safety net in challenging times. By leveraging advanced machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers by 2025, achieving robust profitability and sustainable growth.Role OverviewAs the Optimization Project Manager, you will be pivotal in shaping the strategic vision, roadmap, and performance of our self-service tools, such as Chatbots and IVR systems. This role transcends a purely technical focus; it emphasizes understanding user needs, articulating the product strategy, and ensuring that our automated support solutions offer an exceptional experience for both customers and clerks. You will oversee the complete product lifecycle, translating business requirements into impactful automated features that enhance efficiency and customer satisfaction.

About PayJoyAt PayJoy, we are driven by our mission to empower underserved customers in emerging markets, enabling them to achieve financial stability and success. Our innovative secured credit technology creates pathways for new customers to access the credit system. Through our point-of-sale financing and card offerings, we provide our customers with access to a modern and improved quality of life. PayJoy’s credit solutions also empower our customers to take advantage of opportunities as micro-entrepreneurs, while serving as a safety net during challenging times. With our advanced machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers by 2025 and have established a solid foundation for sustainable profitability and growth.Role OverviewWe are seeking a dedicated Risk Manager to oversee the performance of one or more of PayJoy’s portfolios. This role involves leveraging our data warehouse to conduct comprehensive analyses, formulate policy recommendations, establish pricing strategies, and implement controls aimed at optimizing risk outcomes for our business initiatives and potential new markets.

Join Us as a Key Account Lead!At PayJoy, we are a mission-driven credit provider committed to empowering underserved customers in emerging markets to attain financial stability and achieve their dreams. Our innovative secured credit technology serves as a gateway for new customers to engage with the credit system. With PayJoy’s point-of-sale financing and card solutions, we enable customers to improve their quality of life and unlock opportunities as micro-entrepreneurs, while providing a safety net during challenging times. Utilizing advanced machine learning, data science, and anti-fraud AI, we proudly serve over 18 million customers as of 2025, ensuring sustainable growth and profitability.About the RoleAs the Key Account Lead, you will play a pivotal role in fostering, developing, and sustaining robust relationships with our key partners. Your focus will be on maximizing customer satisfaction while crafting strategic initiatives that drive account growth and profitability.

About PayJoy PayJoy is a credit company focused on helping underserved customers in emerging markets build financial stability. The company’s patented guaranteed credit technology gives new customers a way into the credit system. With point-of-sale financing and the PayJoy card, customers can access modern financial tools and improve their quality of life. PayJoy’s credit offerings also support micro-entrepreneurs and act as a form of insurance. The team uses machine learning, data science, and artificial intelligence to prevent fraud. By 2025, PayJoy will have served over 18 million customers and reached strong, sustainable profitability. About the Role The Customer Support Representative handles incoming and outgoing communications with PayJoy’s end customers in Mexico City. This includes phone calls, email inquiries, and WhatsApp chats. The role centers on providing friendly, helpful support to customers who have questions or concerns.

About PayJoyPayJoy is a pioneering credit provider committed to empowering underserved customers in emerging markets. Our innovative secured credit technology serves as a gateway for new clients to access the credit system. Through PayJoy's point-of-sale financing and credit cards, our customers can enhance their quality of life and unlock opportunities as micro-entrepreneurs while having a safety net during challenging times. Employing advanced machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers by 2025, maintaining strong profitability for sustainable growth.Role OverviewAs a Senior Software Engineer, you will play a vital role in developing the technology behind our unique cell phone-locking system, implementing data-driven risk models to enhance our financial products, and creating internal tools and partner API integrations. Your responsibilities will also include ensuring the software's quality and functionality by writing clean, efficient code to guarantee system consistency and deliver an exceptional user experience.

Join PayJoy as a Tools & Metrics ManagerAt PayJoy, we are committed to empowering underserved customers in emerging markets with innovative credit solutions. Our patented technology facilitates entry into the credit system, enabling access to point-of-sale financing and credit cards that enhance modern living standards. As a trusted partner for over 18 million customers, our advanced machine learning and anti-fraud AI not only foster financial stability but also support our clients as they embrace micro-entrepreneurship and navigate challenging times.Role OverviewThe Tools & Metrics Manager is an integral part of our Business Operations team, focusing on the development, maintenance, and enhancement of the tools and systems that underpin our sales operations. Reporting to the Tools & Metrics Senior Manager, this hands-on role will see you taking charge of the BizOps tooling roadmap.In this position, you will engage in configuring systems, implementing efficient workflows, supporting system integrations, ensuring high data quality, and generating accurate reports for SalesOps, FinOps, Merchant Ops, SDR, and Lock Operations teams. This role is perfect for a technically adept, detail-oriented individual who is eager to evolve into broader system ownership.

About PayJoyAt PayJoy, we are dedicated to empowering underserved customers in emerging markets to attain financial stability and success. Our innovative secured credit technology serves as a gateway for new customers to enter the credit ecosystem. With solutions such as point-of-sale financing and credit cards, we offer our customers access to a modern quality of life. PayJoy's credit also supports our customers in becoming micro-entrepreneurs and provides safety nets during challenging times. Utilizing advanced machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers as of 2025, achieving sustainable profitability and growth.Role OverviewAs the Senior Manager of Tools & Metrics, you will play a pivotal role in transforming business challenges into structured technical solutions. Your responsibilities will include defining a comprehensive global tooling roadmap and ensuring that data flows, workflows, and reporting frameworks are efficient, automated, and auditable across all operational areas. The goal is to equip teams with the most effective tools and processes to perform their tasks reliably, at scale, and with speed and accuracy across all markets.

About PayJoyPayJoy is a pioneering credit provider committed to empowering underserved communities in emerging markets by facilitating their journey toward financial stability and success. Our innovative technology for secured credit acts as a gateway, enabling new customers to seamlessly enter the credit system. With PayJoy’s point-of-sale financing options and credit cards, customers gain access to enhanced living standards and the ability to thrive as micro-entrepreneurs. Furthermore, our credit solutions provide a safety net during challenging times. Leveraging advanced machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers as of 2025 while ensuring solid profitability for sustainable growth.Role OverviewAs the Senior Product Manager, you will play a crucial role in shaping and executing PayJoy’s marketing technology (MarTech) strategy. You will be responsible for developing scalable technology infrastructures that enhance customer acquisition, activation, and retention. This role includes managing integrations, overseeing customer communications and data workflows, leading the full lifecycle of MarTech initiatives, ensuring cross-departmental alignment in marketing, product, engineering, and operations, optimizing performance marketing infrastructure, and effectively communicating progress, risks, and impacts to senior leadership.

About PayJoyAt PayJoy, our mission is to empower under-served customers in emerging markets to attain financial stability and success. Our innovative secured credit technology paves the way for new customers to enter the credit system. With PayJoy’s point-of-sale financing and card offerings, we provide access to a modern quality of life. Our credit solutions not only facilitate opportunities for micro-entrepreneurs but also serve as a safety net during challenging times. Leveraging advanced machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers as of 2025 while achieving sustainable profitability.Position OverviewWe are seeking a dynamic Senior Public Relations Manager to spearhead our global public relations and communications strategy. This pivotal role is designed to enhance the company’s reputation and visibility across key markets by cultivating strong media relationships, managing regional agencies, and crafting compelling narratives that showcase PayJoy’s mission, innovation, and social impact. You will ensure consistent messaging and proficient reputation management on a worldwide scale.

About PayJoyAt PayJoy, we are a mission-driven credit provider committed to empowering underserved customers in emerging markets to attain financial stability and success. Our innovative secured credit technology serves as a vital entry point for new customers into the credit ecosystem. With our point-of-sale financing and credit card offerings, customers can access a modern lifestyle, capitalize on opportunities as micro-entrepreneurs, and find security for uncertain times. Leveraging state-of-the-art machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers by 2025, while maintaining robust profitability for sustainable growth.About the RoleAs a Growth Manager at PayJoy, you will play a pivotal role in propelling the growth and performance of our credit card and credit line products. This position serves as a crucial liaison between our global product teams and local operations. You will be responsible for designing and executing strategic initiatives aimed at enhancing customer engagement, activating new cardholders, and ensuring the smooth integration of our financial products within our retail and distribution networks.

About PayJoyAt PayJoy, we are committed to empowering underserved customers in emerging markets by providing innovative credit solutions that pave the way towards financial stability and success. Our patented technology for secured credit allows new customers to seamlessly enter the credit ecosystem. With PayJoy’s point-of-sale financing and card products, we enhance our customers' quality of life and enable them to explore entrepreneurial opportunities. Our cutting-edge machine learning, data science, and anti-fraud AI have already benefited over 18 million customers by 2025, driving sustainable growth and profitability.Role OverviewAs the Business Enablement Manager, you will be a key driver of partnership growth for PayJoy Mexico, transforming signed agreements into scaled operations. While our business development teams open doors, you will ensure that every partnership thrives by overseeing activation, enhancing same-store origination rates, increasing wallet share, and converting new accounts into our leading performance channels. You will manage relationships with retail and telecom partners post-launch, establish reporting and analytics frameworks to monitor partnership health, and proactively eliminate barriers between partners and our internal teams. This role offers high visibility and requires a dynamic individual who thrives on driving impactful results.

Join PayJoy as a Senior Manager of Business DevelopmentAt PayJoy, we are a mission-driven credit provider focused on empowering underserved individuals in emerging markets to attain financial stability and success. Our innovative secured credit technology serves as a gateway for new customers to access the credit system. Through our point-of-sale financing and card offerings, we enable our customers to enjoy a modern lifestyle and seize entrepreneurial opportunities, while also providing a safety net during challenging times. Leveraging advanced machine learning, data science, and anti-fraud AI, we have successfully reached over 18 million customers and maintained solid profitability as of 2025.Role OverviewThe Senior Manager of Business Development is a pivotal, player-coach position responsible for establishing and nurturing PayJoy’s most strategic retail partnerships in Mexico, including industry leaders such as Waldo's, Elektra, Coppel, and Casa Ley. This individual will represent PayJoy at the executive level with major retail and telecom partners, guide a junior business development team through the complete deal execution process, and function as a cross-functional project management officer (PMO) to eliminate roadblocks across various departments, including Product, Credit, Operations, and Marketing, thereby enhancing the velocity of our business pipeline. The ideal candidate will possess exceptional business development instincts, financial acumen, and the operational discipline required to scale a rapidly growing fintech company in one of Latin America’s most vibrant markets.

About PayJoyPayJoy is a pioneering credit provider focused on empowering underprivileged customers in emerging markets to achieve financial stability and growth. Our innovative technology for secured credit serves as a gateway for new customers to access the credit system. With PayJoy's point-of-sale financing and card offerings, our clients can enjoy a modern quality of life. Additionally, our credit solutions enable customers to take advantage of opportunities as micro-entrepreneurs and provide a safety net during difficult times. Leveraging advanced machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers as of 2025 while maintaining a strong profitability for sustainable growth.Role OverviewPayJoy is on the lookout for a Senior Portfolio Manager to enhance our Portfolio Management team. This critical role is situated at the analytical and strategic heart of our portfolio operations, delivering quantitative oversight on asset valuation, fund management, and responding to requests from investors and lenders. As the senior analytical lead, you will collaborate closely with the Asset Valuation Manager and Portfolio Manager to integrate financial data, conduct thorough quantitative analyses, and uphold the integrity of performance reports across our portfolio. The ideal candidate will possess extensive experience in financial modeling, capital markets, and data-driven decision-making, and will be driven by PayJoy's mission to promote financial inclusion.

About PayJoyAt PayJoy, we are committed to transforming lives through financial empowerment. As a pioneering credit provider, we focus on serving underprivileged populations in emerging markets, helping them achieve financial stability and prosperity. Our innovative secured credit technology creates pathways for new customers to access the credit system, enabling them to enhance their quality of life. With our point-of-sale financing and credit card services, we empower our customers to embrace micro-entrepreneurship and navigate challenging times. Leveraging advanced machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers as of 2025, all while maintaining strong profitability for sustained growth.About the RoleThe Merchant Operations Manager focusing on Operational Excellence is vital to our mission. This role is responsible for streamlining processes, enhancing operational efficiency, and ensuring strategic alignment across various projects. Key responsibilities include governance, resource management, performance measurement, and continuous improvement, utilizing agile methodologies and project management best practices to drive success.

Join PayJoy as a Market Expansion Manager, where you will play a crucial role in driving our growth strategy in Mexico City. You will be responsible for identifying new market opportunities, developing strategic partnerships, and optimizing our market entry plans to ensure successful business expansion.

About PayJoyAt PayJoy, we are driven by a mission to empower underserved individuals in emerging markets to achieve financial independence and success. Our innovative secured credit technology serves as a gateway for new customers to enter the credit landscape. Through our point-of-sale financing solutions and card offerings, we enhance the quality of life for our customers. Moreover, PayJoy’s credit solutions enable our clients to explore opportunities as micro-entrepreneurs and act as a safety net during challenging times. With our state-of-the-art machine learning, data science, and AI fraud prevention measures, we have successfully served over 18 million customers as of 2025 while ensuring robust profitability for sustainable growth.Role OverviewAs a Key Account Manager, you will play a vital role in managing the day-to-day operations and strategic growth of our most significant commercial partnerships across the country. This includes fostering relationships at all levels within our partners' organizations, implementing effective account management strategies, overseeing marketing initiatives, optimizing sales performance, and ensuring the seamless functionality of kiosks.

About PayJoyAt PayJoy, we are dedicated to transforming financial access for underserved communities in emerging markets. Our innovative secured credit technology serves as a gateway for new customers to enter the credit system, facilitating a modern quality of life through point-of-sale financing and card offerings. By empowering our customers, we enable them to become micro-entrepreneurs and provide them with a safety net during challenging times. With over 18 million customers served and a commitment to sustainable growth, our cutting-edge machine learning, data science, and anti-fraud AI technologies are at the forefront of our mission.Role OverviewWe are seeking a dynamic Customer Support Manager to lead and optimize our Customer Support Area, ensuring maximum efficiency, productivity, and customer satisfaction while driving profitability. In this role, you will supervise daily operations and implement strategies that enhance customer experiences and support our organizational goals.

Role overview PayJoy is hiring a Director of Fraud Operations in Mexico City. This leader will shape the company’s approach to reducing fraud risk and protecting both the business and its customers. The position focuses on designing and managing systems for fraud detection and prevention, monitoring data for suspicious patterns, and guiding a team responsible for operational integrity. What you will do Direct the development and implementation of fraud detection and prevention processes Review and interpret data trends to spot and respond to potential fraud risks Lead, mentor, and grow a team dedicated to operational security Collaborate with teams across PayJoy to strengthen fraud prevention strategies Foster a culture of vigilance and fraud awareness throughout the company Location This role is based in Mexico City.

About PayJoyAt PayJoy, we prioritize our mission to empower under-served customers in emerging markets, helping them achieve financial stability and success. Our innovative secured credit technology serves as a gateway for new customers to enter the credit system, offering them access to modern financial products like point-of-sale financing and credit cards. Through our services, we not only enhance quality of life but also enable our customers to seize entrepreneurial opportunities and provide a safety net during challenging times. As of 2025, we have transformed the lives of over 18 million customers, leveraging cutting-edge machine learning, data science, and anti-fraud AI to ensure sustainable growth and profitability.Role OverviewWe are seeking a dynamic professional to lead and expand our strategic partner relationships, ensuring exceptional customer satisfaction. You will guide a dedicated team to drive the growth of these key accounts through high-quality, profitable sales. Additionally, you will design, implement, and manage marketing and channel strategies to maximize our reach and growth potential within these channels.

Join PayJoy as a Global Coupa System AdministratorAt PayJoy, we are on a mission to empower underserved customers in emerging markets to achieve financial stability and success. Our innovative technology for secured credit serves as a gateway for new customers entering the credit system. By offering point-of-sale financing and card options, we enable our customers to enjoy a modern quality of life and seize entrepreneurial opportunities. Leveraging advanced machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers by 2025, while maintaining sustainable profitability.Role OverviewWe are looking for a dynamic Coupa Administrator to lead the global configuration, governance, and continuous enhancement of our Coupa platform. As the primary system owner, you will ensure platform stability, support business operations, and manage system improvements across all regions. Your responsibilities include managing configurations, coordinating system releases, supporting integrations, and driving process enhancements throughout the Procure-to-Pay ecosystem.The ideal candidate will possess hands-on experience with Coupa administration, strong governance capabilities, and familiarity with multi-regional environments, particularly in LATAM and Asia. Experience with integrations involving NetSuite or other ERP platforms is highly desirable.