Jobs at PayJoy

Develop and maintain PayJoy's locking technology and full-stack applications. Implement front-end and back-end features (PHP, JavaScript frameworks), design and modify SQL schemas, build partner APIs, ensure secure handling of customer data, collaborate with global teams, mentor engineers, participate in code reviews, and follow Agile/TDD practices.

Design, implement, test, debug, and deploy frontend and backend features (PHP, JavaScript frameworks) and relational database changes. Build partner APIs, handle sensitive customer data, work with global teams, mentor engineers, participate in code reviews, and follow Agile/TDD practices to deliver data-driven credit products for emerging markets.

Execute and optimize multi-channel lifecycle communications (WhatsApp, Push, Email, SMS, In-App) to drive acquisition, activation, engagement, retention, and reactivation. Support campaign planning, execution, A/B testing, performance reporting, funnel analysis, cross-functional launches, and stakeholder communications.

Design, build, test, deploy, and maintain scalable, secure backend services and Vue.js frontends. Develop RESTful APIs and microservices, optimize PostgreSQL databases, collaborate across teams, participate in architecture and code reviews, and mentor engineers.

Design, build, test, and deploy full-stack fintech features including secured-credit locking technology, web frontends, backends, relational databases, and partner APIs. Collaborate with Product and global teams, ensure secure handling of customer data, mentor engineers, participate in code reviews, and support Agile/TDD engineering practices.

Design, build, deploy and monitor ML models for fraud detection, credit risk, churn, cross-sell and collections. Handle large datasets, feature engineering, production-grade code, and scalable feature/model pipelines. Collaborate with risk, fraud, engineering and product teams and integrate new data sources to improve model performance in international markets.

The Principal Product Manager for Identity will lead the strategy and execution of customer verification and onboarding, working cross-functionally to create secure identity solutions that balance risk and user experience.

Develop, deploy, and monitor production ML models and infrastructure for fraud detection across global markets. Own feature engineering, model lifecycle, scalable pipelines, and collaborate with fraud, product, engineering, and risk teams to improve model performance and decisioning.

Lead day-to-day operations for Customer and Clerk support teams in Mexico. Monitor and improve support KPIs, optimize resources and tools, align fraud prevention with Risk, manage BPO relationships, and co-design global performance metrics, QA, training, and incentives to standardize and scale support across countries.

Handle high-volume inbound/outbound calls, emails, WhatsApp and social chats to resolve product and service issues, escalate complex problems, document interactions in CRM, recommend products, and provide feedback for continuous improvement while maintaining professional, empathetic service.

Oversee and grow strategic commercial partnerships nationwide: build trusted partner relationships, develop and execute account and go-to-market strategies, forecast and meet revenue/KPIs, mentor and lead a sales team, coordinate cross-functional initiatives, analyze market data, and optimize kiosk operations.

The Promoter Agencies Manager will oversee field marketing agencies to drive customer engagement and sales through a national demand generation strategy. Responsibilities include managing agency relationships, analyzing marketing metrics, and coordinating marketing initiatives.

The Risk Manager will analyze credit risk for PayJoy’s Philippines business, monitor performance, build analytical tools, and ensure compliance with regulations while communicating findings effectively.

Support PayJoy's Strategy & Corporate Development team by building complex Excel financial models, evaluating M&A and investment opportunities, conducting market and performance analysis, designing executive presentations, and coordinating cross-functional due diligence to inform strategic decisions for new markets, products, and investments.

Lead strategy and execution for PayJoy Indonesia's commercial initiatives: set KPIs, manage flagship projects end-to-end, monitor performance, govern partnerships (including OEMs and retailers), drive sales team performance, and present results to regional and global leadership.

Serve as the highest technical escalation for complex issues, perform deep root-cause analysis, liaise with Product and Engineering to drive fixes, implement data standards and trend analysis, mentor L2 support, and optimize the support ticket backlog.

Support implementation and execution of compliance controls: monitor local regulations, draft and review contracts, respond to legal/compliance queries, design and monitor compliance initiatives, identify and mitigate regulatory risks, and coordinate with departments to ensure operational alignment with legal requirements.

Lead definition and launch of internal financial products (reconciliation, settlement, transaction matching). Build roadmap, prioritize automation, manage stakeholder alignment, run prioritization sessions, drive reductions in manual reconciliation, and manage product launches with engineering, FinOps, and operations.

Lead end-to-end discovery, design, and implementation of a Credit Line Loan Management System covering underwriting, payments, withdrawals, amortization, internal operations, and customer invoicing. Drive cross-functional teams, prioritize initiatives, define algorithms/data structures, and use data (SQL) to build secure, operationally efficient, customer-first credit line products.

Manage a portfolio of dealer accounts across the Philippines, drive activations and VGM growth, conduct store visits, analyze account-level sales data, onboard and train dealers, coordinate with Credit/Operations/Marketing, execute sales incentive programs, and maintain accurate CRM records to ensure compliant, high-performing accounts.