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 Growth Manager is responsible for acquiring new users through paid marketing campaigns for PayJoy’s Credit Line / Card and Phone Finance businesses, by working on growth across several countries, and spanning mobile apps, online-to-offline, and e-commerce channels.
Key Responsibilities
- Design, execute and iterate campaigns including media buying and campaign optimisation across channels (social media, affiliate, influencer, SEO/SEM, etc)
- Build and maintain structured testing roadmap for content, channel, platform and audiences, prioritising experiments based on impact and learning potential
- Implement campaign tracking to ensure clarity on attribution and incrementality Innovate and optimise campaign content and ad formats to drive conversion, partnering with design and creative teams
- Analyse campaign results and interpret patterns and trends in data to optimise campaign value against cost Manage budgets efficiently, ensure maximum ROI
Qualifications
- Bachelor’s degree Marketing, communication, Advertising, Business, Engineering or similar.
- Minimum experience of 5+ years of proven results in B2C performance marketing, ideally with hands-on campaign management and test design in Fintech, E-commerce and/or Retail.
- Strong understanding of attribution models, incrementality testing, and marketing measurement frameworksExperience working in cross-functional environments with product, analytics, and creative stakeholdersDemonstrated ability to develop and execute on experimentation roadmap
- Strong technical knowledge of digital marketing combined with an instinct for ad formats and creatives that convert are essential. Strong analytical skills with proficiency in tools like Excel, SQL, Looker, or similar BI platforms.
- Comfort working with automation platforms and manipulating algorithmic campaign levers (e.g., value-based bidding)
- A growth mindset, intellectual curiosity, and the ability to navigate ambiguity with confidenceFamiliarity ; experience managing creative performance workflows and feedback loops
- Desirable: Understanding of statistical methods (A/B Testing) and familiarity with geo-lift, MMM, and MTA tools
Benefits
- *Local benefits will depend of the country of hiring*
- 100% Company-funded Health and Dental insurance for employees and immediate family members.
- 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.
