About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
Key Responsabilities:
•Lead the development of PayJoy’s Internal financial products to support PayJoy’s global expansion (e.g. Loan Management, Cash Flow Reconciliation and Merchant Operations)
•Lead stakeholder discovery efforts through interviews, research, and data analysis to uncover deep operational friction points and validate high ROI opportunities
•Author comprehensive Product Requirement Documents (PRDs) and turn complex problem sets into actionable technical specs and user stories for engineering
•Proactively assess risks, hurdles, and pain points across PayJoy’s financial infrastructure, such as manual processes, data integrity gaps, and scalability constraints, defining mitigation plans before they impact the business
•Thoughtfully prioritize projects and trade-offs setting deliverable expectations across multiple stakeholders
•Manage product launches, aligning closely with PayJoy’s teams of engineers, finance, operations, and technical staff to create plans and track release milestones
•Assess the quality of releases through monitoring of incoming issues to identify quality issues and trends
•Establish product success metrics to measure the impact of your launches and advocate for resources commensurate with impact
•Build a 2-3 year roadmap for the future of PayJoy’s Financial Infrastructure software that aligns with long-term company goals and drives measurable KPIs
Qualitifications:
•Bachelor’s degree in Business, Finance, or a related field; MBA or equivalent advanced degree is a plus
•7+ years of dedicated Product Management experience, with at least 3 years launching or implementing internal financial software
•Fluent with data: proficient in writing SQL and reviewing data models
•Proficient in using AI tools such as Claude to speed up product discovery and analyze data, with a strong instinct for where AI can automate manual financial workflows
•Strong analytical, quantitative problem-solving, and decision-making skills
•Comfortable collaborating deeply with engineers on system architectures, APIs, data models, and testing rigor
•Track record of leading cross-functional teams of highly talented individuals
•Exceptional communication and storytelling skills, with the ability to influence executives and build alignment around product trade-offs
•Fluent in English and Spanish, both written and spoken
Benefits:
•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
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.
PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening