PayJoy Lock is the core moat of PayJoy's business, a proprietary security stack running across the world's largest emerging market device fleet.
The Senior Lock Operations Manager will be responsible for building and leading PayJoy’s global Lock Operations function, turning ad hoc takedowns into a systematic, tooling driven, and technically integrated program that measurably reduces lock exploit losses. This role owns the global strategy and roadmap, governs the team’s work across Fraud, Risk, Engineering, and Legal, and is the primary technical partner feeding ground and online intelligence back to the Fraud team. The Senior Manager also builds and develops a team of two Specialists and one Analyst while staying hands on with the highest impact takedowns.
Key Responsabilities:
Own the global Lock Operations strategy and tool takedown roadmap.
Govern and coordinate lock exploit work across Fraud, Risk, Engineering, and Legal.
Quantify impact through field disruption and value at risk protected.
Serve as the primary technical partner to the Fraud team on ground and online intelligence.
Manage and develop the Tools Specialist, Takedown Specialist, and Analyst while staying hands on
Qualifications:
5+ years in fintech, consumer lending, or fraud and risk operations, ideally with exposure to more than one country or market.
Hands-on experience using tooling, automation, or AI to scale an operation, for example scrapers, data pipelines, dashboards, or AI-assisted detection
A track record of reducing fraud or exploit driven losses through operational change, not just analysis, and comfortable owning a return on investment case.
Confident, credible stakeholder management: able to lead and drive conversations across risk, fraud, legal, and engineering teams, and comfortable pushing back when needed.
Desirable: prior people management experience and Spanish or Portuguese fluency.
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.
Skills Required
- 5+ years of experience in fintech, consumer lending, or fraud and risk operations, ideally across multiple countries or markets
- Hands-on experience using tooling, automation, or AI to scale operations, such as scrapers, data pipelines, dashboards, or AI-assisted detection
- Demonstrated success reducing fraud- or exploit-driven losses through operational change
- Experience owning and presenting a return on investment case
- Strong stakeholder management skills across risk, fraud, legal, and engineering teams
- Prior people management experience
- Spanish or Portuguese fluency
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.
