The Role
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
You’ll own the communications platform —so that when any team at PayJoy wants to reach a customer, they express intent through your platform, and the platform figures out who that customer is, whether we can reach them, whether we’re allowed to, and the best way to deliver the message.
You’ll operate across organizational boundaries, influence teams you don’t manage, and make hard calls about what to consolidate, what to deprecate, and in what order—while live operations continue across 11 markets.
Key Responsibilities
- Customer data for communications: Build the unified customer profile for messaging—resolving fragmented identifiers across systems, overhauling contact data quality, and managing consent and channel preferences across all markets.
- Governance and orchestration: Build the rules engine that prevents teams from sending conflicting messages to the same customer. Frequency caps, suppression, deduplication, template governance, and compliance frameworks across markets.
- Vendor consolidation: Lead the rationalization of a fragmented vendor landscape. Map what’s load-bearing vs. legacy, sequence migrations, and execute without breaking downstream operations.
- Internal APIs: Define the contract surface that lets every team self-serve messaging through your platform. Documentation, versioning, SLAs, and onboarding—treating internal teams as product customers.
- Intelligent routing: The platform decides the optimal channel and vendor for each message based on contactability, consent, cost, and deliverability. Teams express what they want to say; you own how it gets there.
Qualifications
- 7+ years in product management, with meaningful time on infrastructure or platform products—not feature teams.
- Deep experience with messaging infrastructure: CPaaS vendors, multi-channel orchestration, and platform architecture across multiple markets.
- Track record of consolidating fragmented platform landscapes—migrating teams off legacy tools and deprecating vendors without breaking downstream operations.
- Experience owning internal APIs or developer-facing products: contracts, documentation, versioning, and governance.
- Working knowledge of customer data unification: profile resolution, segmentation, consent management.
- Fintech or regulated-industry background; comfortable with cross-border compliance.
- Ability to influence across org boundaries, navigate existing stakeholder workstreams, and drive alignment where teams have strong opinions about their current tools.
Nice to have
- Background at a mid-size fintech or CPaaS vendor that’s been through a similar consolidation.
- Experience building suppression logic or multi-team messaging governance systems.
- Spanish or Portuguese language skills.
Benefits
- 100% Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- $2,000 annual Co-working Travel perk
- $2,000 annual Professional Development perk
- $340 Monthly Commuter benefit
- 401k contribution of 3% of salary (up to IRS limits)
- Headphone benefit, home office equipment allowance and wellness perks
- Catered lunches
- 20 paid vacation days, unlimited sick leave
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.
