PayJoy Lock is the core moat of PayJoy's business, a proprietary security stack running across the world's largest emerging market device fleet.
As PM for Lock Platform, you will own the programs that keep that moat strong and expanding. You will combine deep technical fluency with strategic clarity to drive lock security, reliability, and device compatibility programs across multiple markets.
This is a key Individual Contributor role reporting to the Lock Platform Lead. You will work alongside a team of engineers helping to increase PayJoy's lock strength, expand device selection, and reduce fraud and accidental locking across multiple emerging markets.
This role is based in our San Francisco office. We are an in-person team and expect this role to be in office
Key ResponsibilitiesExecution & DeliveryOwn end-to-end delivery of lock platform initiatives — from problem definition through launch, post-launch iteration, and ongoing operational ownership.
Drive lock security initiatives including OTA enforcement, device vulnerability reduction, and the systems that give leadership real-time visibility into platform health.
Lead the lock reliability program — own the framework that prevents accidental locking incidents and ensures policy compliance across every new feature shipped.
Own device compatibility programs — track where PayJoy has gaps, launch new locking technology to close them, and ensure every device PayJoy finances meets the security bar.
Support new market and country launches — own the lock readiness checklist and ensure no new market goes live without meeting the bar.
Manage cross-functional execution with engineering, GTM, legal, OEM partners, and field teams — with proactive communication and clear ownership of timelines and deliverables.
Represent the lock platform in cross-functional forums
Review and synthesize competitive intelligence from field analysts and in-market research to inform roadmap decisions.
Communicate progress proactively to leadership — status, risks, and decisions surface.
8+ years as a Product Manager with a track record of owning technically complex programs end-to-end — PRD through launch through post-launch iteration — without hand-holding.
Technical fluency on Android or mobile platforms — able to engage directly with engineers on implementation details, debug issues, and make informed tradeoff decisions.
Independently frames problems, proposes solutions with explicit tradeoffs, leads cross-functional execution, and surfaces risk proactively without being asked.
Experience in mobile security, device management, OEM ecosystems, or adjacent technically complex domains.
Strong analytical ability — can query data independently, build metrics frameworks, and own product health visibility..
Experience with Android lock mechanisms, Knox, or device enrollment technologies.
Familiarity with OTA update processes and OEM certification workflows.
Experience launching products in or for emerging markets (LATAM, SEA, Africa).
Hybrid PM/engineer background — comfortable reading code, reviewing PRs, contributing to technical specifications.
SQL fluency or equivalent ability to self-serve product insights from data.
Fluency in Spanish or Portuguese.
Skills Required
- 8+ years of experience as a Product Manager owning technically complex programs end-to-end
- Technical fluency with Android or mobile platforms
- Ability to engage engineers on implementation details, debug issues, and make technical tradeoff decisions
- Experience in mobile security, device management, OEM ecosystems, or adjacent technically complex domains
- Strong analytical ability, including independently querying data, building metrics frameworks, and monitoring product health
- Experience with Android lock mechanisms, Knox, or device enrollment technologies
- Familiarity with OTA update processes and OEM certification workflows
- Experience launching products in emerging markets, including LATAM, Southeast Asia, or Africa
- Hybrid product manager and engineer background, including reading code, reviewing pull requests, or contributing to technical specifications
- SQL fluency or equivalent ability to self-serve product insights from data
- Fluency in Spanish or Portuguese
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.
-
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.
-
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.
-
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.
