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 Senior Lifecycle Marketing Manager is responsible for campaigns to drive retention and activation goals, being evaluated on the incremental impact on loans generated, revenue, payment behavior, and CAC optimization.
Responsibilities
- Own customer lifecycle strategy and structure including funnel targets, CAC / incremental conversion, and overall experimentation agenda.
- Manage marketing operations and technology and tools required to drive lifecycle marketing.
- Identify new campaign strategies and experiments to drive growth and retention through lifecycle marketing e.g. loyalty schemes, referral and retention incentives.
- Establish and execute omni-channel campaign strategy across: in-app push/messaging, whatsapp, SMS and other channels.
- Coordinate appropriate campaign copy, design and key visuals with designers
- Implement A/B testing to improve campaign effectiveness.
- Oversight of optimal customer journey and experience to ensure retention e.g. supporting landing pages, CX chatbots and other assets.
- Manage and execute campaigns on CRM tools as well as explore paid marketing campaigns via custom lists on meta and other platforms.
- Partner with Commercial, Risk and Product teams to implement required tooling and instrumentation to track results.
Requirements
- Bachelor's degree or studying in a field related to data analysis.
- 3+ years of experience running effective campaigns and +1 year designing content that drives business outcomes in a start up or high growth environment.
- Experience managing omni-channel campaigns through CRM and other tools (e.g. Customer.io, Hightouch, Mailchimp, Klaviyo), overseeing creative production for CRM channels and A/B testing and experimentation for retention and engagement.
- Knowledge G-suite, SQL and data analysis.
- Demonstrated talent for effectively presenting data insights and complicated issues to a range of audiences.
- Powerful analytical and problem-solving skills.
- Ability to work under pressure with quick turnarounds while managing multiple projects or tasks.
Benefits
- 100% Company-funded Health and Dental insurance for employees and immediate family members.
- Life insurance.
- Phone finance, Headphone, home office equipment and fitness 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
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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.
