Jobs at PayJoy

Leads PayJoy’s global Lock Operations function, developing strategy, takedown tooling, and operational processes to reduce lock exploit losses. Coordinates fraud, risk, engineering, and legal stakeholders; measures disruption and value protected; provides technical intelligence to Fraud; and manages two specialists and an analyst while handling high-impact takedowns.

Own and optimize PayJoy’s AI-powered telesales channel, including voice bot operations, agent deployment, vendor integration, customer journey improvements, and channel experimentation. The role establishes quality and compliance standards, analyzes customer conversations, tracks KPIs, and collaborates with Marketing, Product, Product Marketing, and Analytics to improve conversion, retention, and engagement.

Lead commercial expansion and key account partnerships through market analysis, business development, contract negotiation, and profitability-focused strategy. Manage relationships with major clients, identify high-value opportunities, collaborate with sales and marketing on campaigns, negotiate complex agreements, and present recommendations to executives. The role also includes managing direct reports, coordinating cross-functional communication, and supporting phone finance growth in a hybrid environment with regular travel.

Lead PayJoy Indonesia’s key commercial initiatives, including expansion planning, KPI development, flagship project delivery, partnership management, performance monitoring, and leadership reporting. The role combines project management, strategy, business development, sales performance, marketing oversight, store functionality, and smartphone OEM collaboration. Success requires strong data analysis, commercial growth, sales leadership, and relationship-management skills.

Leads national partner accounts, driving profitable growth, customer satisfaction, upselling, and cross-selling. Manages account plans, partner relationships, negotiations, renewals, performance analytics, fraud controls, reconciliation, invoicing, and cross-functional execution. Oversees a sales team and ensures account strategies, deliverables, and communication align with business goals.

Leads PayJoy’s national offline expansion and commercial strategy, including site selection, market research, lease negotiations, store openings, merchandising, logistics, staff training, sales execution, and P&L ownership. Builds and manages high-performing sales teams, develops SOPs, governs partner and vendor relationships, coordinates cross-functional initiatives, mitigates risks, and reports performance to senior leadership.

Own product design across iOS, Android, and desktop web, combining visual design, UX, product strategy, research, prototyping, and design systems. Improve visual quality and create polished components while balancing user experience, business goals, and metrics. Collaborate with Product, Engineering, and Marketing; present and defend design decisions to senior stakeholders; and incorporate AI tools into design workflows and business processes.

Senior legal counsel supporting Finance, Capital Markets, and the Board on corporate governance, transactions, regulatory documentation, disclosures, and corporate legal operations. The role manages board materials, entity governance, equity documentation, transaction readiness, and corporate records while monitoring corporate and securities law developments and advising executive leadership.

Own PayJoy’s data governance model, including catalog architecture, metadata, lineage, access controls, and PII protection. Establish data certification standards, service-level objectives, alert quality, and model lifecycle practices. Govern semantic definitions, data transformations, canonical entities, and experimentation measurement foundations. Drive reusable enablement patterns, promote adoption across teams, and communicate analytical concepts to technical and non-technical stakeholders.

Support equity and debt raises, capital structure analysis, financial modeling, funding strategy, investor and lender relationships, rating agency diligence, transaction execution, covenant monitoring, and financing-market research. The role partners across FP&A, legal, risk, and international teams while preparing investor materials, improving processes, and supporting strategic initiatives including M&A, market expansion, and product launches.

Design, build, deploy, and maintain AI-powered applications, LLM agents, RAG pipelines, RPA solutions, and workflow automations. Integrate models with business systems, APIs, and data sources; monitor performance, cost, latency, and accuracy; and improve production solutions. Partner with stakeholders to identify use cases, document implementations, and support adoption while applying responsible AI, privacy, security, and compliance practices.

The Total Rewards Analyst role supports PayJoy’s employee compensation and benefits programs. The provided description contains limited role-specific responsibilities and does not specify required qualifications, technologies, travel, salary, or clearance requirements.

Supports legal and compliance operations by monitoring local regulations, reviewing and drafting contracts, answering routine legal inquiries, implementing compliance initiatives, identifying regulatory risks, and collaborating with departments to meet legal and operational requirements.

Build and maintain full-stack applications supporting PayJoy’s phone-locking technology, risk modeling, internal tools, and partner API integrations. Responsibilities include developing frontend and backend solutions, collaborating on architecture, reviewing code, troubleshooting issues, and improving development practices. The role requires strong JavaScript, SQL, database, testing, and full-stack development skills, with Vue.js or React experience. PHP, Python, Android, and CI/CD experience are advantageous.

Build and maintain scalable ETL/ELT pipelines, data models, schemas, and analytics-ready datasets. Ensure data quality, governance, security, reliability, and performance across the data platform. Partner with analysts, data scientists, and business stakeholders to deliver trusted data infrastructure, troubleshoot failures, and optimize warehouse and pipeline costs.

Supports risk strategy for one to two credit portfolios by monitoring profitability and risk KPIs, preparing analyses, documenting recommendations, coordinating strategy rollouts, and implementing risk controls. Uses SQL, R, or Python for data extraction, manipulation, modeling, forecasting, and statistical analysis. Partners with Data Science on machine learning and AI models and applies A/B test recommendations to credit policies while communicating findings to stakeholders.

Drives regional Sales Operations projects across multiple markets, coordinating with cross-functional teams and maintaining sales performance metrics. Builds frameworks to assess representative productivity, target attainment, cost per sale, forecasting accuracy, and market penetration. Supports forecasting, target setting, and planning through clean CRM and sales data analysis, helping leaders identify performance issues and make informed commercial decisions.

Manages merchant relationships and grows sales and store activation across an assigned territory. Responsibilities include recruiting and activating new retail partners, training store teams, conducting store visits, launching incentive campaigns, resolving platform-related issues, analyzing market opportunities, maintaining customer records, and preparing sales reports. The role requires frequent field travel and personal transportation.

Document, map, and maintain SOPs and knowledge base content to improve operational efficiency. Coordinate with stakeholders to validate and implement process changes, monitor content usage and feedback, and create user-friendly formats and training materials. Research fintech best practices and ensure documentation accessibility and clarity.

Own PayJoy’s global sales operations model, efficiency metrics, processes, tooling, and enablement programs across markets. Partner with the Tools & Metrics team to scale analytics, automation, CRM, and compensation platforms. Track targets, forecasting, commissions, and performance; support Country Managers in turning analysis into executed initiatives. Set the roadmap and prioritize initiatives that improve sales productivity and standardize measurement globally.