About this 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
Key Responsabilities:
- Define PayJoy’s anti-fraud strategies for credit card (consumer direct)
- Measure the efficacy of PayJoy’s anti-fraud strategies
- Implement strategies that balance the tradeoff between conversion and fraud prevention
- Design strategies that are automated and highly scalable
- Lead and empower a team of analysts by example to define high-impact fraud strategies
- Collaborate with Sales to craft fraud policies for merchants that distribute PayJoy
- Build a fraud feedback loop that identifies potential lock vulnerabilities, triages them and appropriately escalates issues to PayJoy’s Lock Engineering team
- Mentor and build a high impact fraud analytics team
Qualifications:
- 7+ years designing anti-fraud strategies for consumer lending portfolios
- 3+ years managing and growing a team
- Strong SQL skills and understanding of statistics and DS modelling
- Able to use programming, processes and collaboration with business to drive results
- You have negotiated exceptional contracts with 3rd party data vendors
- Demonstrated ability to work in a fast-paced, entrepreneurial, global startup environment
- Experience with merchant distributed consumer lending products is a plus
Benefits:
- Health and life insurance for the employee and immediate family members.
- Permanent contract (indefinite-term contract) with 20 vacation days.
- $2,000 USD annual allowance for co-working travel.
- $2,000 USD annual allowance for professional development.
- Stipend/financing for a mobile phone, headphones, home office equipment, and wellness benefits.
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