The Role
Manage portfolio performance using SQL and Python/R to analyze large datasets, recommend pricing, controls and policies, partner with Data Science to implement ML/AI models, run A/B tests, document recommendations, and own risk KPIs for one or more portfolios.
Summary Generated by Built In
About PayJoy
PayJoy, a Public Benefit Corporation, 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 card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and 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 Risk Manager is responsible for the performance of one or more of PayJoy’s portfolios, using a data warehouse to build analysis, policy recommendations, pricing and controls that optimize risk outcomes for business and in future new markets.
Responsibilities
- Use SQL and R or Python to extract and manipulate data to make data-driven, actionable recommendations about how to improve outcomes.
- Make actionable recommendations about how to improve outcomes based on data analysis and a deep understanding of how our product works.
- Work closely with the Data Science team to price and implement ML and AI models that optimize portfolio outcomes.
- Define, implement and monitor A/B Tests with the product and marketing team that will improve our product and help us reach more customers.
- Write succinct and thoughtful documentation that explains your recommendations.
- Own risk KPIs for one or more portfolios.
Requirements
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field.
- 4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products.
- Experience working with Credit Limit Increase programs and with scaling products from 0 to scale in a fast-paced startup environment is a plus.
- End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate and the ability to present solutions to cross-functional stakeholders at all levels of the organization.
- Understanding of statistical tools and methods, and experience working with large data sets.
- Mastery SQL, Python and other tools for Data Analysis.
Benefits
- *Local benefits will vary depending of the country of hiring.
- 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
Skills Required
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering, or similar quantitative field.
- 4+ years of experience in risk management in fintech or commercial banking with consumer lending products (credit cards, etc.).
- Mastery of SQL, Python and other data analysis tools; ability to use R.
- Experience extracting and manipulating data using SQL and R or Python.
- Understanding of statistical tools and methods and experience working with large datasets.
- End-to-end problem-solving skills, including problem framing, analysis, debate, and presenting solutions to cross-functional stakeholders.
- Ability to define, implement, and monitor A/B tests with product and marketing teams.
- Experience with Credit Limit Increase programs and scaling products from 0 to scale in a startup environment.
- Experience collaborating with Data Science to price and implement ML/AI models that optimize portfolio outcomes.
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.
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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.
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