As Director of Product Management, Onboarding, you will lead a team of four product managers responsible for one of the most critical parts of PayJoy's business: the journey that brings customers to originate a loan.
You will own the vision for the end-to-end onboarding experience across both digital and in-store channels, with digital as an increasingly important focus for the team. As PayJoy expands, you will play a key role in launching new countries, guiding the strategic decisions of where to build global, scalable solutions versus where to localize for specific markets.
Your teams will span:
Application — Optimizing for a fast, transparent digital application that adheres to local regulation in every market we serve.
Direct-to-Consumer — Building fully digital acquisition journeys that don't begin in a physical store, a fast-growing channel for PayJoy.
Enterprise — Building digital solutions that empower our partners to onboard more customers with PayJoy, turning those relationships into a powerful engine for growth.
Offers/Risk — Refining how offers are presented and bringing in new data sources that let us underwrite customers who are newer to credit or have thinner credit histories.
Responsibilities
- Vision & strategy
Define and drive the multi-year product strategy for PayJoy's onboarding experience.
Capitalize on incoming customer demand by designing personalized, high-converting onboarding journeys across digital and in-store channels.
Set the strategy for launching onboarding in new countries as PayJoy expands — deciding where to build global, scalable solutions versus where to localize for specific markets.
Identify opportunities to extend onboarding beyond loan origination — including pre-qualification, cross-sell at the point of application, and reactivation of returning customers.
Team leadership & deliveryLead, coach, and grow a team of four product managers, setting a high quality bar and empowering them to own end-to-end delivery across their surfaces — from discovery and prioritization through launch and iteration.
Set the direction and standards for application flow, data architecture, performance, and UX consistency across digital and in-store channels, and hold the team accountable to them.
Establish the operating rhythm and prioritization framework your team uses to make sharp trade-offs and ship with both quality and speed.
Ensure onboarding launches in new markets land quickly and compliantly, guiding the team's build-global-versus-localize decisions and holding the bar on regulatory requirements in every market.
Cross-functional leadershipPartner deeply with Engineering leadership to align on architecture decisions, build out onboarding best practices, and scale onboarding capacity.
Own key business KPIs such as conversion rate through the onboarding funnel and cost per approved customer.
Ensure onboarding investments accelerate core revenue to the business.
Influence senior stakeholders across Product, Engineering, Design, Data, and Operations to align on priorities and trade-offs.
Qualifications
8+ years of product management experience, with at least 5 years in a senior or staff-level role.
Demonstrated experience building and scaling consumer products — ideally at a company that's gone through a period of rapid growth or a platform inflection point.
Deep expertise across the customer journey: acquisition and onboarding funnels, conversion optimization, and the data infrastructure that supports them.
Strong background in fintech or consumer financial services preferred
Proven ability to translate ambiguous strategic goals into clear roadmaps, sharp prioritization decisions, and measurable outcomes.
Ability to drive the analytical measurement of the team — ensuring the right instrumentation is in place to build dashboards, track performance, and continuously monitor the health of the product.
Experience leading and inspiring product teams, managing multiple workstreams and stakeholders at significant scale.
Exceptional cross-functional influencer across engineering, design, data, risk, and operations — without relying on formal authority.
Fluency in English, written and spoken.
Experience with platform-level product architecture — particularly secured/unsecured or credit lifecycle product models.
Background in emerging markets, LATAM, or building products for underbanked consumer segments.
Hands-on experience with conversion optimization, growth loops, or customer data platforms and communication tooling.
SQL fluency or equivalent ability to self-serve product insights from data.
Nice to have
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
- Catered lunches
Skills Required
- 8+ years of product management experience
- At least 5 years in a senior or staff-level product role
- Experience building and scaling consumer products
- Expertise in customer acquisition and onboarding funnels
- Experience with conversion optimization
- Experience with supporting data infrastructure and analytical measurement
- Ability to translate ambiguous strategic goals into roadmaps and prioritization decisions
- Experience leading product teams and managing stakeholders at scale
- Strong cross-functional influence across engineering, design, data, risk, and operations
- Fluency in written and spoken English
- Fintech or consumer financial services background
- Experience with platform-level product architecture and credit lifecycle models
- Background in emerging markets, LATAM, or underbanked consumer products
- Hands-on experience with growth loops, customer data platforms, or communication tooling
- SQL fluency or equivalent ability to self-serve product insights
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.
PayJoy Insights
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.
