The Role
About PayJoy
PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Director of ERP Systems is responsible to oversee the design, implementation, maintenance, and continuous improvement of our enterprise resource planning (ERP) systems; by defining the roadmap, oversee critical integrations (loan origination, servicing, collections, treasury, data warehouses), ensure PCAOB/SOX-compliant operations, and manage both an internal team and external partners.
Responsibilities
- Own the vision & roadmap for PayJoy’s finance systems, ensuring scalability, compliance, and alignment with our growth strategy — with an ERP-agnostic mindset.
- Lead & mentor a high-performing team of ERP administrators, developers, and analysts.
- Drive excellence in NetSuite, optimizing financials, CRM, SCM, and custom workflows, while preparing for future transitions (e.g., Oracle).
- Lending Systems Acumen: Provide leadership in the design and optimization of systems supporting a lending lifecycle, including loan origination, servicing, payments, collections, and related financial reporting.
- Ensure robust integration with lending systems, treasury, expense, and BI tools, maintaining clean data flows for accurate financial reporting.
- Project Management: Oversee all phases of ERP-related projects, from requirements gathering and design to testing, deployment, and post-implementation support. Manage project scope, timelines, budgets, and resources effectively.
- Data Integrity & Reporting: Ensure the accuracy, integrity, and security of data within NetSuite. Develop and maintain robust reporting and analytics capabilities with a deep understanding of lending-specific accounting treatments (e.g., revenue recognition for loans, interest accruals, charge-offs, loan loss provisioning).
- Stakeholder Collaboration: Partner closely with finance, accounting, operations, engineering, product, and other departments to understand their needs, gather requirements, and deliver effective ERP solutions.
- Build for compliance: design and maintain systems to meet PCAOB standards, SOX internal controls, and GAAP requirements, especially around loan accounting, provisioning, and revenue recognition.
- Manage vendors & consultants, holding them accountable to deliver on strategic initiatives.
- Champion change management, ensuring seamless adoption of new processes and systems across global teams.
Requirements
- 10+ years leading finance systems or ERP platforms, with deep NetSuite expertise and a strong grasp of broader ERP architectures.
- Experience building systems that meet rigorous audit & compliance requirements (PCAOB/SOX/GAAP).
- Ideally some experience with other ERPs (Oracle, SAP, MS Dynamics) or planning large-scale transitions.
- Strong coding or development experience in general, with a plus for NetSuite-specific development experience (SuiteScript, SuiteTalk, SuiteFlow and saved searches/reports).
- Very familiar with the accounting principles and practices specific to a lending company, including revenue recognition, interest accrual, and impairment.
- A collaborative, hands-on approach — comfortable working across time zones and cultures in a fast-paced, mission-driven company.
- Excellent project management, organizational, and problem-solving skills, with a data-driven approach to decision-making.
- Exceptional communication, interpersonal, and stakeholder management skills. Ability to translate technical concepts to non-technical audiences.
Benefits
- 100% Company-funded Health and Life Insurance for employees and immediate family members
- Indefinite-term contract
- 20 days of vacations
- Phone finance, Headphone, home office equipment and fitness perks.
- $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
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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.
