The Role
Lead investigations into credit line and card fraud, monitor transactions, implement prevention strategies, collaborate cross-functionally, perform risk assessments, document cases and reports, and train team members on detection and mitigation.
Summary Generated by Built In
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
The Credit Line/Card Fraud Operations Lead is responsible for conducting reviews and investigations of Credit Line/Card 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 of "Credit Line/Credit Card" for potential fraudulent activity, ensuring compliance with the fraud prevention strategies and procedures.
- Investigate and resolve reported fraud cases from "Credit Line/Credit Card", ensuring timely and accurate documentation.
- Develop and implement fraud prevention strategies and procedures.
- Collaborate with the customer service, product, engineering and operations teams from other countries, 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, etc… Teams to address and mitigate fraud risks.
- Assist in training and educating team members on fraud prevention and detection.
Qualifications
- Minimum of 1 year of experience in "Credit Line/Credit Card" fraud prevention, anti-fraud processes, fraud examination preferably within the financial services industry.
- English level required: Advanced (C1 or higher). Candidates must be able to communicate fluently, both verbally and in writing, in professional and technical contexts.
- Basic knowledge of SQL – ability to understand and write simple queries (e.g., SELECT, JOIN, WHERE)
- Completed Technical or partially university studies in related areas such as Business Administration,
- Communications or similar.
- Knowledge of regulatory requirements and compliance standards in the country.
- Basic analytical, problem-solving skills and sense of autonomy to carry out delegated tasks, taking full ownership of their own projects.
- Proficiency in using fraud detection software and tools.
- Strong learning aptitude.
Benefits
- Major medical insurance, health discount plan, dental, and vision care for the employee and immediate family members.
- Life insurance.
- Financing for a phone, headphones, home office equipment, and wellness benefits.
- 30 days of end-of-year bonus.
- 20 vacation days.
- 50% vacation premium.
- 13% savings fund.
- $2,000 MXN in monthly grocery vouchers (vales de despensa).
- $2,000 USD annual benefit for co-working travel.
- $2,000 USD annual benefit for professional development.
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
Skills Required
- Minimum of 1 year of experience in Credit Line/Credit Card fraud prevention, anti-fraud processes, or fraud examination (preferably in financial services).
- Advanced English level (C1 or higher), fluent verbal and written professional communication.
- Basic knowledge of SQL with ability to write simple queries (SELECT, JOIN, WHERE).
- Completed technical or partial university studies in Business Administration, Communications, or similar.
- Knowledge of local regulatory requirements and compliance standards.
- Basic analytical and problem-solving skills with autonomy and ownership of projects.
- Proficiency in using fraud detection software and tools.
- Strong learning aptitude.
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
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The Company
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
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