About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the director of business development is responsible for leading our strategic expansion efforts by securing and strengthening partnerships with top telecom operators and large national retailers for a region with several countries. responsibilities develop and execute a business development strategy targeting large retailers and telecom operators. build and maintain high-level relationships with c-level executives at companies such as claro, movistar, and top national retailers. lead contract negotiations and strategic agreements, ensuring long-term and mutually beneficial partnerships. collaborate with internal stakeholders (finance, risk, and product) to design tailored credit solutions for our partners. identify and analyze new market opportunities, making data-driven decisions to support expansion. monitor industry trends and competitor activities, adjusting strategies accordingly. qualifications bachelor's degree in business, marketing, or a related field.5 + years of ex...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the senior product manager is responsible for defining and leading strategy, roadmap, end-to-end discovery, design, and implementation to enhance the overall customer experience, expand product capabilities including international expansion, and optimize key performance indicators. responsibilities create a roadmap to deliver of a line products across all payjoy markets with a robust set of features such as deposits/withdrawals (cash, bank transfers, card, bill-pay) and rewards/yield. conduct in-depth market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space. drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration , to full-scale implementation. for new features and improvements. work closely with legal, engineering, stakeholders,and existing finance engine leadership to deliver high-quality solutions that balance legal ...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the senior product manager is responsible for defining and leading strategy, roadmap, end-to-end discovery, design, and implementation to enhance the overall customer experience, expand product capabilities including international expansion, and optimize key performance indicators. key responsibilities create a roadmap to deliver of a line products across all payjoy markets with a robust set of features such as deposits/withdrawals (cash, bank transfers, card, bill-pay) and rewards/yield. conduct in-depth market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space. drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration , to full-scale implementation. for new features and improvements. work closely with legal, engineering, stakeholders,and existing finance engine leadership to deliver high-quality solutions that balance legal requir...
Payjoy bogota, d.c., capital district, colombia about payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. about payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role payjoy is looking for a sales representative for bogotá to help drive the growth of payjoy’s phone finance services in colombia, as our ideal candidate, you are dynamic, results-driven, and enjoy a high-change environment that is focused on building the next generation of payjoy’s phone finance experiences. the sales...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role as a software engineer within payjoy’s team, you will build the technology to support millions of customers worldwide. our unique locking technology combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets. we're also focused on world-class app design, web frontend and backend, and partner api integrations. as a key part of payjoy’s global engineering team, you need to be up for any technical challenge and willing to learn new technologies. responsibilities code software primarily in php, javascript/vue/angularjs, html, css. design, implement, test, debug, and deploy features and services from product specification. work with the product team to deliver code that addresses business needs. use and manage relational sql databases. use sql programming language to perform create, retrieve, update, and delete operations (ddl and dml commands). design and implement database schema changes to support new features. ...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role as a senior software engineer within payjoy’s team, you will build the technology to support millions of customers worldwide. our unique locking technology combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets. we're also focused on world-class app design, web frontend and backend, and partner api integrations. as a key part of payjoy’s global engineering team, you need to be up for any technical challenge and willing to learn new technologies. responsibilities code software primarily in php, javascript/vue/angularjs, html, css. design, implement, test, debug, and deploy features and services from product specification. work with the product team to deliver code that addresses business needs. use and manage relational sql databases. use sql programming language to perform create, retrieve, update, and delete operations (ddl and dml commands). design and implement database schema changes to support new fea...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the operations manager is responsible for roll out and expansion of granting a line of credit/credit card with phone financing including funnel and bug detection, identifying bugs/pain points and operational issues, and prioritizing fixes with cross-functional teams, and driving improvements based on user insights and quality standards. key responsibilities monitor the user funnel and identify drop-off points, friction areas, and blockers that affect conversion or usage of the cl/cc. detects and tracks bugs, pain points, and operational issues, working closely with product, engineering, and cx teams to ensure resolution. prioritize fixes and enhancements in collaboration with products based on impact, user insights, and business goals, using structured frameworks. gather and synthesize user insights through research, support feedback, and data analysis to inform continuous improvements. drive operational efficiencies through proposal and execution on initiatives applicable to...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025, we have provided billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role payjoy is looking for a sales representative in bogotá to help drive the growth of our phone finance services in colombia. the ideal candidate is dynamic, results-driven, and enjoys a high-change environment focused on building the next generation of payjoy’s phone finance experiences. the sales representative is responsible for increasing sales revenue while building solid relationships with sales staff and store managers at partnered retailers and distributors across colombia. responsibilities manage assigned accounts and grow them month over month. serve as the main point of contact for our partners’ sales staff. develop client relationships to expand your portfolio. visit stores to train sales teams, including delivering onboarding sessions to ensure results. maintain communication channels with partners and clients. qualifications 3-5 years of experience in field sales & marketing, customer service, sales, mobile device sales, or customer care. valid driver’s license. exp...
Payjoy bogota, d.c., capital district, colombia about payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. about payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this 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...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this 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 **responsibilities**: - work with development teams and product managers to develop software solutions - collaborate on the client-side and server-side architectureconduct code reviews and provide feedback to ensure code quality and adherence to best practices. - troubleshoot and debug software issues, ensuring timely resolution. - stay up to date with industry trends and technologies to drive continuous improvement in software development processes. **requirements**: - bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field. 4+ ...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this role** the fraud operations representative is responsible for conducting reviews and investigations of partners, stores, clerks and customers to analyze fraud patterns, and implementing tactics to mitigate fraud risks, thereby protecting our customers and the company's financial assets. **responsibilities**: - monitor and analyze transactions for potential fraudulent activity, ensuring comply with the fraud prevention strategies and procedures. - investigate and resolve reported fraud cases, ensuring timely and accurate documentation. - develop and implement fraud prevention strategies and procedures. - collaborate with the customer service and operations teams to address and mitigate fraud risks. - conduct regular fraud risk assessments and provide recommendations for improvement. - prepare and present detailed reports on fraud trends and prevention measures when requested. - collaborate with product, sales, customer support, etcteams to address and mitigate ...
**acerca de payjoy** payjoy es un proveedor de servicios financieros con una misión clara: ayudar a clientes desatendidos en mercados emergentes a lograr estabilidad y éxito financiero. otorgamos créditos a través de nuestra tecnología patentada que convierte un smartphone en una garantía digital, y gracias a nuestra avanzada inteligencia artificial, ciencia de datos y herramientas anti-fraude, podemos ofrecer los costos más bajos y calificar al mayor número de clientes en la industria. hasta 2024, hemos proporcionado miles de millones de dólares en crédito a más de 12 millones de clientes, mientras mantenemos una rentabilidad sólida y sostenible a largo plazo. **acerca 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. **responsabilidades**: - lograr el cumplimiento de la meta mensual asignada de ventas y activación de tiendas en el área 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. - asegurar que los comerciantes que vendieron el mes pasado lo hagan en el mes presente. - desarrollar ...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this role** as a senior software engineer within payjoy’s team, you will build the technology to support millions of customers worldwide. our unique locking technology combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets. we're also focused on world-class app design, web frontend and backend, and partner api integrations. as a key part of payjoy’s global engineering team, you need to be up for any technical challenge and willing to learn new technologies. **responsibilities**: - code software primarily in php, javascript/vue/angularjs, html, css. design, implement, test, debug, and deploy features and services from product specification. work with the product team to deliver code that addresses business needs. - use and manage relational sql databases. use sql programming language to perform create, retrieve, update, and delete operations (ddl and dml commands). design and implement database schema...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this role** the finance manager is responsible for supporting our financial planning, budgeting, and forecasting processes using oracle’s planning and budgeting cloud service (pbcs). **responsibilities**: - pbcs management - oversee the implementation, maintenance, and optimization of oracle pbcs to support financial planning, budgeting, and forecasting processes. - ensure accurate and timely data integration between pbcs and other financial systems. - manage system upgrades, troubleshoot issues, and implement process improvements within pbcs. - collaborate with it and external vendors to manage system customizations and enhancements. - identify and implement process improvements to enhance the accuracy and efficiency of financial planning and reporting. - leverage pbcs to automate manual processes and reduce cycle times for budgeting, forecasting, and reporting. - stay current on industry best practices and technological advancements in financial planning system...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this role** the collections supervisor is responsible for streamlining and improving the efficiency of the company's collections process, through a team that directly impacts the financial health of the business; by ensuring that the company recovers its outstanding accounts, thus ensuring the liquidity necessary to maintain its operations and facilitate its expansion, maintaining a healthy portfolio and focusing efforts on preventive management, recovering as many outstanding debts as possible, and obtaining payments without violating the collection laws and regulations in force in the country. **responsibilities** **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. **coordinate** with external collection agencies**:collaborate with external agencies handling accounts over 31 days past du...
**acerca de payjoy** payjoy es un proveedor de servicios financieros con una misión clara: ayudar a clientes desatendidos en mercados emergentes a lograr estabilidad y éxito financiero. otorgamos créditos a través de nuestra tecnología patentada que convierte un smartphone en una garantía digital, y gracias a nuestra avanzada inteligencia artificial, ciencia de datos y herramientas anti-fraude, podemos ofrecer los costos más bajos y calificar al mayor número de clientes en la industria. hasta 2024, hemos proporcionado miles de millones de dólares en crédito a más de 12 millones de clientes, mientras mantenemos una rentabilidad sólida y sostenible a largo plazo. **acerca 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. **responsabilidades**: - lograr el cumplimiento de la meta mensual asignada de ventas y activación de tiendas en el área 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. - asegurar que los comerciantes que vendieron el mes pasado lo hagan en el mes presente. - desarrollar ...
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. funciones: lograr el cumplimiento de la meta mensual asignada de ventas y activación de tiendas en el área 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. asegurar que los comerciantes que vendieron el mes pasado lo hagan en el mes presente. desarrollar la relación con los comerciantes para mantener sana/estable la cuenta de los miembros existentes, respondiendo a las solicitudes y resolviendo problemas en la conversión a cliente final con la plataforma payjoy. visite las tiendas para capacitar a los equipos de ventas, promocionar materiales de marketing y activar campañas de incentivos. generar estrategias para incrementar las ventas en el área asignada, incluyendo el análisis del mercado y competencia para identificar tendencias y oportunidades de ventas. identificar y contactar nuevos socios comerciales, asegurándose de que cumplan con los requisitos y activándose una vez autorizados. mantener actualizada la base de datos de clientes y registrar ...
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. funciones: lograr el cumplimiento de la meta mensual asignada de ventas y activación de tiendas en el área 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. asegurar que los comerciantes que vendieron el mes pasado lo hagan en el mes presente. desarrollar la relación con los comerciantes para mantener sana/estable la cuenta de los miembros existentes, respondiendo a las solicitudes y resolviendo problemas en la conversión a cliente final con la plataforma payjoy. visite las tiendas para capacitar a los equipos de ventas, promocionar materiales de marketing y activar campañas de incentivos. generar estrategias para incrementar las ventas en el área asignada, incluyendo el análisis del mercado y competencia para identificar tendencias y oportunidades de ventas. identificar y contactar nuevos socios comerciales, asegurándose de que cumplan con los requisitos y activándose una vez autorizados. mantener actualizada la base de datos de clientes y registrar t...
Somos la única plataforma de reclutamiento especializada en el área comercial.selecciona tu país méxico colombia representante de ventas payjoy bogotá d.c., bogotá d.c. $3,5 a $4 millones responsabilidades planear visitas de mantenimiento y a clientes potenciales o nuevos prospectos, así como realizar un análisis post visita y de seguimiento dar atención, presentación y promoción de los productos ante clientes y distribuidores; tener conocimiento del potencial de las cuentas y uso de recursos para desarrollar nuevos clientes y a socios comerciales. analizar el potencial de mercado y del territorio para determinar el valor de los clientes actuales o nuevos prospectos y lograr el posicionamiento del producto. planear, coordinar y ejecutar planes de educación y eventos o talleres que agreguen valor. competencias preferiblemente profesional o tecnólogo en finanzas o negocios con buen manejo del paquete office./excel buen seguimiento y control de la zona. excelentes relaciones interpersonales. experiencia: como representante de ventas, preferible del sector financiero, bancario o celulares, también canal retail de distribuidores (éxito, alkosto, ktronix, etc). experiencia en cada empresa no sea menor a 1 año, necesitamos personas que demuestren el desempeño de sus retos y logros. buen manejo de excel y experiencia en presentaciones comerciales. contrato término fijo días y horario lunes a sábado de: 08:00 am a 05:00 pm se requiere nivel de educación: universitaria sobre la empresa servicios financieros de microcredito para adquisición de telefonía celular. somos un great place t...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the operations manager is responsible for roll out and expansion of granting a line of credit/credit card with phone financing including funnel and bug detection, identifying bugs/pain points and operational issues, and prioritizing fixes with cross-functional teams, and driving improvements based on user insights and quality standards. key responsibilities - monitor the user funnel and identify drop-off points, friction areas, and blockers that affect conversion or usage of the cl/cc. - detects and tracks bugs, pain points, and operational issues, working closely with product, engineering, and cx teams to ensure resolution. - prioritize fixes and enhancements in collaboration with products based on impact, user insights, and business goals, using structured frameworks. - gather and synthesize user insights through research, support feedback, and data analysis to inform continuous improvements. - drive operational efficiencies through proposal and execution on i...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this role** payjoy is hiring an accounting analyst to join our team. as part of our accounting team, you will have the opportunity to help build and stream-line our internal accounting function with a primary focus on the management of the accounting team and supervision of the daily activities of the people in the local accounting area. you will report to the accounting manager and partner with senior management members in our latam offices to improve and automate our accounting processes. you have a demonstrated track record of experience in accounting, local and corporate audit procedures, possess outstanding communication skills, and share our mission to expand access to finance to the next billion consumers worldwide. **responsibilities**: - supervise daily transactions, including accounts payable/receivable, general ledger and bank reconciliations. - participate in external and internal tax and accounting audits. - prepare financial accounting reports. - manage...
**about payjoy** payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. **this role** **responsibilities**: - collaborate with non-technical team members to gather requirements for accounting-related problems. - design, document, and deploy technical solutions based on requirements. - integrate with internal and external systems via apis and data streaming platforms. - review code from technical team members. - continually improve our accounting automation pipeline **requirements**: - strong understanding of php or a similar programming language. - strong understanding of relational databases (e.g. mysql, postgresql, sql server). **benefits**: - *local benefits will depend of the country of hiring* - 100% company-funded health and dental insurance for employees and immediate family members. - phone finance, headphone, home office equipment and fitness perks. - $2,000 usd annual co-working travel perk. - $2,000 usd annual professional development perk. payjoy is proud to be an equal employment opportunity employer and we welcome ...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the senior product manager is responsible for defining and leading strategy, roadmap, end-to-end discovery, design, and implementation to enhance the overall customer experience, expand product capabilities including international expansion, and optimize key performance indicators. key responsibilities - create a roadmap to deliver of a line products across all payjoy markets with a robust set of features such as deposits/withdrawals (cash, bank transfers, card, bill-pay) and rewards/yield. - conduct in-depth market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space. - drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration , to full-scale implementation. for new features and improvements. - work closely with legal, engineering, stakeholders,and existing finance engine leadership to deliver high-quality solutions that...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the senior product manager is responsible for defining and leading strategy, roadmap, end-to-end discovery, design, and implementation to enhance the overall customer experience, expand product capabilities including international expansion, and optimize key performance indicators. key responsibilities create a roadmap to deliver of a line products across all payjoy markets with a robust set of features such as deposits/withdrawals (cash, bank transfers, card, bill-pay) and rewards/yield. conduct in-depth market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space. drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration , to full-scale implementation. for new features and improvements. work closely with legal, engineering, stakeholders,and existing finance engine leadership to deliver high-quality solutions that balance lega...
About payjoy payjoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. we lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud ai allow us to offer the lowest cost and qualify the most customers in the industry. as of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. this role the operations manager is responsible for roll out and expansion of granting a line of credit/credit card with phone financing including funnel and bug detection, identifying bugs/pain points and operational issues, and prioritizing fixes with cross-functional teams, and driving improvements based on user insights and quality standards. key responsibilities monitor the user funnel and identify drop-off points, friction areas, and blockers that affect conversion or usage of the cl/cc. detects and tracks bugs, pain points, and operational issues, working closely with product, engineering, and cx teams to ensure resolution. prioritize fixes and enhancements in collaboration with products based on impact, user insights, and business goals, using structured frameworks. gather and synthesize user insights through research, support feedback, and data analysis to inform continuous improvements. drive operational efficiencies through proposal and execution on initiatives appli...
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