As Principal Product Manager, Mobile Product, you will own the vision, architecture, and execution of transforming PayJoy’s Apps into a destination for our customers. You'll build and lead the product team responsible for making that platform world-class.
This is a senior Individual Contributor role reporting to the SVP of Product Management, you'll work directly with Engineering leadership and the executive team to shape PayJoy's next chapter.
PayJoy is at a rare moment. We have product-market fit, profitability, and a real shot at becoming the leading consumer fintech platform for emerging markets globally. But realizing that requires a step-change in how we build — and this role is the linchpin of that shift.
You'll have genuine ownership, executive partnership, and the opportunity to shape a platform that millions of people rely on for their financial lives. If you've built great consumer apps before and want to apply that craft where it really matters, this is that role
Key Responsibilities
Define and drive the multi-year product strategy for PayJoy's App platform.
Identify opportunities to extend the platform beyond loan servicing — including e-commerce, rewards and benefits ecosystems, and engagement tools.
Develop the strategy for embedding financial education into the app, appropriate for a low financial literacy customer base.
Own end-to-end product delivery: from discovery and prioritization through development, launch, and post-launch iteration across all app surfaces.
Define platform-level standards for navigation, architecture, performance, and UX consistency across all apps.
Drive PayJoy's app store presence — owning store optimization, ratings management, and release strategy on Google Play and App Stores.
Partner deeply with Engineering leadership to align on architecture decisions, build out native mobile best practices, and scale platform capacity.
Ensure platform investments accelerate core revenue to the business.
Influence senior stakeholders across Product, Engineering, Design, Data, and Operations to align on platform priorities and trade-offs.
Platform vision & strategy
Execution & delivery
Cross-functional leadership
Qualifications
8+ years of product management experience, with at least 5 years in a senior or staff-level role
Demonstrated experience building and scaling consumer mobile apps — ideally at a company that's gone through a platform inflection point.
Deep expertise in Android and/or iOS product development: navigation patterns, mobile architecture, performance, and app store operations.
Strong background in fintech, consumer financial services, or a similarly regulated, data-intensive domain.
Proven ability to translate ambiguous strategic goals into clear roadmaps, sharp prioritization decisions, and measurable outcomes.
Exceptional cross-functional influencer across engineering, design, data, risk, and operations — without relying on formal authority.
Fluency in English, written and spoken.
Experience with multi-app or platform-level product architecture — particularly secured/unsecured or credit lifecycle product models.
Background in emerging markets, LATAM, or building products for underbanked consumer segments.
Hands-on experience with app store optimization, growth loops, or engagement and retention product mechanics.
SQL fluency or equivalent ability to self-serve product insights from data.
Fluency in Spanish or Portuguese.
SQL fluency or equivalent ability to self-serve product insights from data.
Nice to have
Summary
You'll have genuine ownership, executive partnership, and the opportunity to shape a platform that millions of people rely on for their financial lives. If you've built great consumer apps before and want to apply that craft where it really matters, this is that role.
Skills Required
- 8+ years of product management experience, with at least 5 years in a senior or staff-level role
- Demonstrated experience building and scaling consumer mobile apps
- Deep expertise in Android and/or iOS product development, navigation patterns, mobile architecture, performance, and app store operations
- Strong background in fintech, consumer financial services, or a similarly regulated, data-intensive domain
- Proven ability to translate ambiguous strategic goals into clear roadmaps, prioritization, and measurable outcomes
- Exceptional cross-functional influencing skills across engineering, design, data, risk, and operations
- Fluency in English, written and spoken
- Experience with multi-app or platform-level product architecture (secured/unsecured or credit lifecycle models)
- Background in emerging markets, LATAM, or building products for underbanked consumer segments
- Hands-on experience with app store optimization, growth loops, or engagement and retention product mechanics
- SQL fluency or equivalent ability to self-serve product insights from data
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.
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