The Role
About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Engineering Director - Identity, Fraud & data platform is responsible to lead a team of talented engineers to build world-class frameworks to mitigate both online and offline risks, platforms for verifying user authenticity and trustworthiness of PayJoy customers, clerks and admins, and build guardrails for privacy and policy compliance.
Responsibilities
- Expertise:
- Is a representative for their organization’s systems and long term goals.
- Champions initiatives across the organization to ensure technical designs are properly evaluated and communicated in the context of organizational goals.
- Drives architectural direction for their organization and helps evolve systems toward it.
- Scope and Impact:
- Accountable for building the next generation of authentication and verification frameworks for PayJoy.
- Accountable for multiple products, significant features, tools, or infrastructure.
- Demonstrated success leading teams delivering organizational-level projects, with ownership of large, strategic, or complex areas within an organization.
- Is a recognized domain expert in their organization. Applies their domain knowledge and technological expertise to multiply their organization's effectiveness in delivering impactful products.
- Review and provide feedback on features, technology, architecture, designs, time & budget estimates, and test strategies.
- Manage project risks & engage in creative problem solving.
- Develop and evolve engineering and business processes to optimize team efficiency.
- Prioritization and Execution:
- Shapes their organization to work on the right things in service of their customers while holding them accountable for organizational goals.
- Recognizes, influences, and resolves critical issues that jeopardize their organization’s focus and direction.
- Has a track-record of strong execution and meeting organizational goals.
- Instills a sense of customer empathy within their organization.
- Adjusts urgency and commitments to maximize the organization’s long term impact and sustainability.
- Champions reliability and system health, is responsible for the long-term health and quality of their organization’s codebases and systems.
- Holds their teams accountable for proactively monitoring and suggesting improvements to codebases and systems in service of uptime and operational excellence.
- Ensures their teams are taking the time to proactively identify and resolve tech debt or blockers that will impact quality or execution.
- Team scale:
- Manages multiple teams, typically through multiple managers.
- A track record of managing teams of importance to the company or business unit, which should eventually evolve into organizations or departments.
Requirements
- Relevant Bachelor's degree or equivalent practical experience.
- 15 years of relevant industry or additional academic experience, typically has managed for at least 8 years.
- Proven experience building reliable, high-scale, cost-efficient cloud services.
- Domain expert in identity management, fraud and trust management
- Domain expert in Data platforms, data pipelines and ML infrastructure.
- Well versed in writing optimized code and architectural patterns for optimization-
- Well opinionated and hands-on with code review and implementation details.
- Hands-on experience with Amazon Web Services (AWS).
- Nice to have, Hands-on experience working on DataBricks and/or Snowflake platforms
Benefits
- Company-funded health, dental, and vision insurance for employee and immediate family
- Company-funded employee life and disability insurance
- 3% employer 401k contribution
- Company holidays; 20 days vacations; flexible sick leave
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Commuter benefit
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
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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.
