The Role
Lead and scale operations across retail expansion, logistics for new products/channels, and merchant operations. Drive process automation, forecasting, reverse logistics, partner satisfaction, budgets, cross-functional collaboration, and performance reporting to senior leadership.
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 Director of Operations will play a pivotal role in driving growth, fostering innovation, and enhancing automation across key operational areas. By optimizing processes and ensuring exceptional partner and customer satisfaction, this leader will oversee three major verticals:
Retail Expansion Operations:
- Oversee promoter and salesforce management, ensuring high-performance execution.
- Standardize store layouts and operational workflows to maximize efficiency.
Develop demand forecasting models to optimize inventory levels and minimize stockouts. - Implement robust reverse logistics processes for seamless returns and refurbishments.
Logistics for New Products & Channels:
- Develop and oversee logistics strategies for new product launches and channel expansions.
- Ensure operational excellence, cost efficiency, and superior customer experiences in logistics execution.
Merchant Operations:
- Optimize and automate PayJoy’s B2B network operations to enhance merchant performance and partner satisfaction.
- Oversee bug escalation and resolution processes, ensuring minimal disruptions.
- Develop a scalable, technology-driven strategy to grow and sustain the merchant network.
Key Responsabilities:
- Develop and execute operational strategies aligned with company goals and objectives.
- Foster collaboration across teams, including Product, Technology, Sales, and Marketing, to achieve operational excellence.
- Recruit, develop, and lead high-performing teams to execute operational priorities effectively.
- Drive automation and continuous improvement of processes to enhance scalability and efficiency.
- Monitor and report on operational performance, identifying areas for improvement and implementing solutions.
- Manage budgets, forecasts, and resources to ensure the efficient use of company assets.
- Regularly present updates, progress, and results to senior leadership
Qualifications:
- 10+ years of experience in operations, logistics, or a related field, with at least 4 years in a leadership role.
- Proven track record of scaling operations and driving process automation.
Experience in retail or eCommerce operations is highly desirable. - Strong knowledge of credit, financial services, or fintech industries.
- Exceptional leadership and team management abilities.
Strong analytical and problem-solving skills. - Excellent communication and interpersonal skills.
- Ability to navigate complex challenges and deliver results in a fast-paced
environment. - Proficiency in project management tools and operational software.
Education: Bachelor’s degree in Business Administration, Engineering, Operations Management, or a related field. MBA or equivalent advanced degree is a plus.
Experience:
Skills:
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
Skills Required
- Bachelor's degree in Business Administration, Engineering, Operations Management, or related field
- MBA or equivalent advanced degree
- 10+ years of experience in operations, logistics, or related field
- At least 4 years in a leadership role
- Proven track record of scaling operations and driving process automation
- Experience in retail or eCommerce operations
- Strong knowledge of credit, financial services, or fintech industries
- Exceptional leadership and team management abilities
- Strong analytical and problem-solving skills
- Excellent communication and interpersonal skills
- Ability to navigate complex challenges and deliver results in a fast-paced environment
- Proficiency in project management tools and operational software
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.
