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 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 Senior Product Manager for the Fraud Team will define and lead the strategy, roadmap, and execution of fraud prevention and detection initiatives across PayJoy’s global platforms. This role will focus on implementing innovative tools and techniques to reduce fraud losses while maintaining a seamless experience for our users. The ideal candidate will also collaborate with engineering, risk, and data science teams to build scalable fraud solutions.
The successful candidate will bring expertise in fraud risk management, data analytics, and a passion for financial inclusion. Strong problem-solving skills and the ability to work in a fast-paced, cross-functional environment will be essential.
Responsibilities
- Create a roadmap to continuously improve PayJoy’s fraud prevention platform with goals to:
- Reduce fraud losses and operational inefficiencies.
- Enhance fraud detection with cutting-edge models and rules while minimizing false positives.
- Streamline customer experience through frictionless fraud mitigation solutions.
- Lead the end-to-end product lifecycle from ideation, requirements gathering, development, testing, and iteration, to full-scale implementation.
- Work closely with engineering, fraud operations, and data science teams to deliver high-quality solutions that balance security and user experience.
- Analyze and leverage data (ability to write and interpret SQL queries) to refine fraud prevention mechanisms.
- Stay informed about emerging fraud trends, regulatory requirements, and industry technologies to maintain a state-of-the-art fraud platform.
- Collaborate with internal teams to implement KPIs and monitoring systems to track fraud metrics and solution efficacy.
Requirements
- 6+ years of product management experience. At least 2-3 years in fraud or risk management within fintech.
- Experience driving cross-functional teams, including engineering and data science, to deliver impactful products.
- Proven ability to manage and prioritize multiple initiatives in a fast-paced environment.
- Strong data-driven decision-making skills, including the ability to run SQL queries.
- Familiarity with fraud detection technologies, including behavioral analytics, device intelligence, and machine learning solutions.
- Demonstrated success in creating customer-first solutions while balancing security and operational efficiency.
Desirable Qualifications
- Experience in high-growth startups.
- Familiarity with fraud prevention tools and vendors (e.g., Sift, Arkose Labs, or equivalent).
- Knowledge of compliance regulations related to fraud (e.g., AML, KYC).
- Fluency in Spanish.
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 wellness 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
- Catered lunches
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.
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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.
