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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
As a Staff Machine Learning Engineer at PayJoy, you will apply your expertise in machine learning and software engineering to design, develop and scale solutions that power our data science applications.
You are not interested in building one off models any more. You are an ML engineer who builds data solutions that are deployed at scale to tens of millions of users. You will join us to build assembly lines, not to assemble cars.
You will be part of a data science team on a mission to improve access to credit and technology in emerging markets with the opportunity of creating a big and real positive impact to our millions of users across the countries we operate in.
Responsibilities
- Collaborate with global teams to deliver massively impactful data products globally.
- Build ML pipelines that optimize critical processes for our global lending products including anti-fraud, credit strategy and marketing optimization.
- Improve our ML infrastructure.
- Mentor other engineers and data scientists about best practices in ML engineering.
- Take data products from conception to scale deployment.
Requirements
- PhD or master’s in Computer Science, Statistics, Engineering or a related field.
- 7+ years of experience as a machine learning engineer, data scientist or a closely related position with a proven track record of delivering impact.
- Expertise in machine learning algorithms, frameworks and lifecycle: from data extraction and feature engineering to model serving and monitoring for live and batch processing.
- Strong software design skills and high proficiency in Python and its related libraries and frameworks (e.g., Scikit-Learn, Pandas, Flask, FastAPI, etc).
- Great interpersonal skills including strong written and verbal communication.
- Demonstrated experience with cloud providers (AWS preferred) and related data services.
Benefits
- *Benefits will vary depending on the country of hire.
- 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
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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.
