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 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Operations Manager is responsible for managing credit card delivery, ensuring compliance and process optimization, and improving key team metrics (delivery rate, service level agreements, cost per delivery) to ensure stock availability and deliver a seamless, customer-centric experience, in addition to managing the performance of the operations team.
Key responsibilities
- Oversees the full logistics operation in the country, including managing an ops team, projects with internal stakeholders and supplier relationships, focusing on achieving the goals established for delivery rate, on time delivery rate and delivery SLA.
- Ensuring a flawless delivery process to the customer by managing the shipments operation through a business partner,
- Keeping a healthy end to end stock management, ensuring an efficient supply chain and healthy KPIs.
- Execute needed continuous improvement projects by assessing shortcomings in the operation by maintaining successful communications with stakeholders and measuring the impact of such initiatives.
- Secures the best business conditions regarding suppliers involved on the regular operation through negotiation, best practices adoptions and continuous improvement.
Qualifications
- Bachelor's degree in Economics, Management, Finance, or a related field.
- 5 years of relevant experience in Operations, Logistics, or Project Management, in consumer finance, technology, mobile products, or consulting industry, in a high-growth tech startup environment or a highly intrapreneurial role.
- Advanced Excel and G-sheets (SQL knowledge is a plus, although non-exclusive)
- Proven record of project management skills.
- Analytical thinking and data-driven decision making.
- Problem solving, process design and optimization, and focus on continuous improvement
- Leadership, cross-collaborational communication, flexibility and adaptability.
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 wellnes 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
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
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
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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.
