PayJoy

Product Manager

• Define and lead the strategy, roadmap, and execution of fraud prevention and detection initiatives across PayJoy’s global platforms.
• Focus on implementing innovative tools and techniques to reduce fraud losses while maintaining a seamless experience for users.
• Collaborate with engineering, risk, and data science teams to build scalable fraud solutions.
• Analyze and leverage data to refine fraud prevention mechanisms.
• Stay informed about emerging fraud trends, regulatory requirements, and industry technologies.

Senior Product Manager

Marketing

• The Marketing Analytics Senior Analyst plays a key role in enabling data-driven decision-making across the Marketing organization.
• This position is responsible for building, maintaining, and enhancing analytical reports and dashboards that track key marketing KPIs and performance trends for senior leadership.
• In addition to reporting, this role will partner closely with the Marketing Analytics Senior Manager to develop predictive and statistical models that enhance customer targeting, improve campaign efficiency, and optimize marketing investment through Media Mix Modeling (MMM) and budget allocation analyses.
• This position is ideal for someone with strong analytical rigor, curiosity about customer behavior, and the ability to translate complex data into actionable business insights.

Senior Marketing Analytics Analyst

Performance Marketing

• Build, launch, and manage paid advertising campaigns across Google Ads (Search, Shopping, Performance Max, Display, YouTube) or Meta Ads (Facebook & Instagram), including campaign structure, audience targeting, bidding strategies, keyword strategies, creative testing, and placements to meet performance targets.
• Optimize campaigns on a daily basis by adjusting bids, budgets, audience segmentation, creative rotation, keyword management, and exclusions based on performance data analysis.
• Own conversion tracking and measurement infrastructure across Google and Meta platforms, including auditing events, audience lists, enhanced conversions, and collaborating with Marketing Analytics and Product teams to optimize tracking and performance.
• Develop and execute creative testing strategies in collaboration with the creative team, structuring A/B tests for ad formats, messaging, visuals, and calls-to-action, maintaining clear documentation of learnings to inform future content strategy.
• Manage audience strategy and segmentation across platforms by building and maintaining custom audiences, interest/behavior targeting, and advanced campaigns while minimizing audience overlap and creative fatigue.
• Collaborate cross-functionally with creative, analytics, and digital channel teams by providing performance insights, recommendations for creative optimization, and platform opportunities to ensure alignment with overall marketing objectives.

Performance Marketing Partner

• Define and own the marketing analytics and multi-channel measurement strategy, aligning marketing initiatives with the company’s growth and profitability goals.
• Translate business challenges into analytical frameworks that inform strategy and execution.
• Ensure data flows seamlessly across tools and that integrations between MarTech and other business systems (e.g., data warehouse, finance, product analytics) are accurate and up to date.
• Drive data governance standards to ensure consistency, accuracy, and a single source of truth for all marketing performance reporting.
• Lead and coach the Marketing Analytics Senior Analyst and other analytical contributors, fostering a culture of precision, collaboration, and impact. Oversee project prioritization, resource planning, and analytical methodology.
• Build analytical documentation and processes to scale marketing intelligence across the organization.
• Oversee the design and deployment of predictive models (e.g., churn, conversion propensity, LTV, segmentation) to improve targeting and campaign effectiveness.
• Partner with Data Science teams to validate models and operationalize predictive outputs into CRM and lifecycle programs.
• Lead the development of Media Mix Models (MMM) to assess channel performance and optimize budget allocation.
• Oversee the creation of executive-level dashboards and reports that monitor marketing performance, efficiency, and ROI.
• Present findings and strategic recommendations to senior leadership in a clear, narrative-driven format.
• Ensure consistent metric definitions and high data integrity across reports and business units.

Senior Marketing Analytics Manager

Customer Success Manager

• Campaign & Journey Execution: Oversee the end-to-end technical delivery of the global marketing calendar, including building, scheduling, and deploying daily multi-channel comms campaigns to segmented audiences.
• Testing & Optimization: Develop and execute a comprehensive test and learn roadmap to continuously optimize campaign performance, recommending strategies to improve engagement, conversion, and retention rates across digital communication platforms.
• Quality Assurance: Conduct rigorous testing and troubleshooting of all campaigns to ensure functionality, correct targeting and optimal customer journeys with adherence to company guidelines before deployment.
• Analytics & Reporting: Monitor, analyze, and report on key campaign performance metrics, providing actionable insights and strategic recommendations to optimize future campaigns and drive continuous improvement in member acquisition, engagement and retention.
• CRM Tech stack management: Provide tactical direction for the CRM and related marketing technology stack, including tools for email, analytics, and automation. Contribute to CRM roadmap & infrastructure discussions, improving automation, data flows, and tooling.
• Cross-functional alignment: Collaborate closely with Marketing Managers and other teams like Product, Data, and Risk to drive initiatives that improve customer experience and LTV.

Senior Marketing CRM & Lifecycle Manager

Operations

• Manage, coach, and motivate the Tech Ops team in each one of their verticals, ensuring good engagement and rapport, as well as keeping the energy and collaboration levels high
• Handle all high impact tech projects related to Support, managing prioritization, backlog, activities, and on-time delivery
• Manage the relationship with our main Tools providers in terms of expectations, negotiations, contract shifts and feature development
• Coordinate activities of the QA & Training team with the Support teams, ensuring a proper cadence of interactions and corrective course of actions
• Oversee the development and maintenance of knowledge base articles, FAQs, and other support documentation to improve our chatbot effectiveness and how our c
• Collaboration with Customer Service, Product, Engineering, and Operations teams to ensure seamless support integration and timely resolution of customer issues
• Track key performance indicators, prepare and present reports on team performance, key metrics, customer feedback and provide insights to management.
• Monitor and analyze support trends metrics to identify areas for improvement and make data-driven decisions to enhance team performance and customer satisfaction
• Be a key stakeholder with the product team.

Tech Operations Director

Ecommerce

• Analyze data to identify internal and external growth opportunities for ecommerce, focusing on both volume and profitability.
• Manage reporting analysts in creating dashboards to track and measure ecommerce performance.
• Analyze internal processes, identify bottlenecks, and implement automations—including AI tools—to improve efficiency.
• Drive decisions regarding the design and functionality of the 1P Ecommerce storefront, including prioritizing projects with external agencies.
• Design and test pricing and promotion strategies based on automated competitor analysis, margin management, and price elasticity testing across different product price points.
• Lead collaborative efforts between the ecommerce team and other key internal stakeholders (e.g., Product, Risk) to articulate ecommerce initiative needs, prioritize requests, and support execution.
• Own the design and execution of CRM campaigns focused on 1P Ecommerce, including experimentation and optimization.

Ecommerce Strategy & Ops Manager

Security Engineer

• Collect and evaluate hacking tools; continuously monitor emerging attack techniques and tools that could impact company products.
• Perform security testing on OEM mobile phones using hacking tools and techniques.
• Reproduce and verify security issues discovered on social media, public forums, and other open sources.
• Produce, manage, and maintain clear security testing reports.
• Coordinate with internal teams and external parties to track, prioritize, and verify fixes for security issues.

Software Engineer – Security Test

Account Manager

• Develop and execute account plans that drive profitable growth for a group of accounts. Identify opportunities for upselling, cross-selling, and expanding our product or service offerings to meet the partners’ evolving needs.
• Establish and maintain strong, trusting relationships with key stakeholders to escalate and resolve any incidences to keep the sales process moving forward, ensuring their satisfaction and act as the primary point of contact.
• Lead a team of direct reports and cross-functional teams. Coordinate efforts to ensure all teams work cohesively to meet account goals, manage deliverables, and exceed business expectations.
• Utilize data and analytics to assess account performance, track KPIs, and identify areas for improvement. Develop and implement data-driven strategies to optimize account profitability.
• Ensure clear and effective communication between the partner, internal teams, and stakeholders. Regularly report on account performance, share insights, and align strategies to exceed growth and profitability goals.
• Oversee contract negotiations, renewals, and amendments to ensure favorable terms for both the partner and PayJoy. Ensure compliance with our internal processes of setup, fraud controls, reconciliation, invoicing, etc.

Senior Key Account Manager

Customer Support

• Supervise, guide and support the customer service team, ensuring alignment with objectives and standards, and providing regular performance-related feedback.
• Monitor and evaluate contact center team activities and assist supervisors and third parties with regular performance feedback.
• Train staff in customer service areas and company policies.
• Optimize workflow processes and procedures to increase efficiency and effectiveness in the customer service area.
• Execute and coordinate controls for compliance with BPO management KPIs.
• Generate reports on team performance, analyzing data to identify trends, issues and opportunities for improvement.
• Constantly coordinate with Legal & Compliance for the correct execution of claims, writings or complaints from end customers.

Customer Support Supervisor

Sales

• Deliver the sales enablement products and services to all the stakeholders, Work with experts in different areas/departments for training content design (content/materials for internal and external audiences).
• Design, develop and implement learning tools in different formats.
• Work with the commercial team to attend the knowledge gaps of the clients and their staff to define action plans to increase sales productivity and improve efficiency of the sales team, stores and clerks through the execution of training initiatives.
• Understand the different processes across the organization and participate in the design and implementation of enhancement initiatives.
• Measure the performance of internal sales areas (KPI's, KBI's, KKI's and KSI's), monitor the impact of training to correlate with results,and find improvement opportunities.
• Drive all actions/initiatives that will unlock greater sales opportunities.

Sales Enablement Analyst

Account Executive

• O Representante de Vendas é responsável por aumentar a originação e integração de novos parceiros no território atribuído.
• Construindo e mantendo relacionamentos sólidos com varejistas e distribuidores parceiros.
• Trabalho de campo (visita às lojas) ou vendas diretas em quiosques.
• Prestar apoio, formação, implementação de campanhas de incentivo e marketing direcionado.
• Garantir o cumprimento e superação dos objetivos de vendas e produtividade.

Representante de Vendas Externas

General Counsel

• Develop and implement the company’s legal strategy to support expansion into one or more countries, participating in the company’s international expansion and ensuring alignment with the global legal and compliance program.
• Provide legal services and guidance across the organization, including product advisory, intellectual property protection, drafting, managing and negotiating a wide range of commercial contracts, employment law, company law and corporate governance, privacy, KYC/AML/Sanctions, and other areas.
• Oversee compliance with regulatory requirements, including data protection, applicable local legislation and corporate governance. Develop and implement legal and compliance frameworks harmonized with the company’s global compliance infrastructure.
• Provide strategic advice, legal risk assessments and mitigation strategies to business leaders and the management team. In collaboration with executive management, manage complex cross-functional legal projects.
• Liaise with and manage relationships with external law firms across multiple jurisdictions.
• Lead dispute resolution, litigation management and regulatory investigations when required.
• Support corporate structuring and M&A activities as the company scales.
• Develop and review legal and compliance policies and procedures.
• As the business grows, recruit, lead and train an effective internal Legal & Compliance team.
• Contribute to the global legal department’s knowledge-sharing, policy development and strategic initiatives, acting as a regional leader aligned with a global mandate.

Corporate Counsel

• Oversees the full logistics operation in the country, including managing an ops team, projects with internal stakeholders and supplier relationships, focusing on achieving the goals established for delivery rate, on time delivery rate and delivery SLA.
• Ensuring a flawless delivery process to the customer by managing the shipments operation through a business partner,
• Keeping a healthy end to end stock management, ensuring an efficient supply chain and healthy KPIs.
• Execute needed continuous improvement projects by assessing shortcomings in the operation by maintaining successful communications with stakeholders and measuring the impact of such initiatives.
• Secures the best business conditions regarding suppliers involved on the regular operation through negotiation, best practices adoptions and continuous improvement.

Operations Manager – Logistics, Credit Card/Credit Line

Full-stack Engineer

• Solve Critical Problems: Identify, prioritize, and solve technical challenges impacting growth.
• Lead and Collaborate: Architect new solutions, Implement newer patterns/framework that other candidates can use and implement, Identify potential systemwide solutions, guide teams, ensuring solutions meet business goals and technical standards.
• Mentor & Develop: Foster a culture of learning, guiding junior engineers.
• Innovate & Improve: Drive continuous improvement in our platform and processes.

Staff Software Engineer

Growth Marketing

• Responsible for defining the overall long-term growth roadmap, including identifying and prioritizing the next major growth loops for the company.
• Develop and execute **growth strategies** for new and existing retail locations, including market selection, launch planning, and performance tracking.
• Lead end-to-end **rollout of new stores**, coordinating across teams to ensure smooth execution.
• Work closely with risk and credit teams to **maintain low non-performing loans** (NPL) ratios while preserving a strong, attractive product and financing offer for customers.
• Own and track full **retail P&L**, identifying drivers of profitability and making recommendations to improve margins, customer lifetime value, and operational efficiency.
• Ability to **communicate the growth vision**, challenges, and results clearly and confidently to executives and secure alignment and resources for high-stakes projects.
• Drive cross functional collaborations, mostly with marketing to localize campaigns and **drive foot traffic** to attract new customers.
• Optimize customer lifecycle by improving metrics across Adquisition, Activation, Retention and Revenue.
• Lead rapid experimentation by designing and executing A/B tests to find new growth levers.
• Work with key external and internal partners to co-develop new products and service offerings in-store.

Senior Growth Manager

Product Marketing

• Serve as the key liaison between the global Credit Line and Credit Card product teams and the Colombia GTM team, ensuring local execution aligns with global objectives.
• Design and execute GTM strategies to increase credit card activation and usage, particularly by cross-selling to customers acquiring phone finance products.
• Drive mutual reinforcement between the Phone Finance and Credit Card businesses, identifying opportunities for bundling, upselling, and joint campaigns.
• Maximize the use of our national distribution network to increase credit card issuance and activation.
• Manage relationships with existing commercial partners and acquirers related to the credit card business, ensuring alignment and performance.
• Track and drive key performance indicators (KPIs) for the credit card product, ensuring achievement of growth, activation, and usage targets in coordination with product and GTM teams.
• Develop and manage new and existing alliances to enhance the value proposition of the credit card through exclusive benefits and offers for cardholders.
• Lead initiatives to enable and scale the physical distribution of the credit card through our network of allies and retail partners.
• Collaborate closely with marketing, operations, risk, compliance, and customer service teams to ensure a smooth end-to-end experience for credit card customers.

Credit Card and Credit Line GTM Lead

• - Monitorear y analizar transacciones para detectar posibles actividades fraudulentas, asegurándose de que se cumplan las estrategias y los procedimientos de prevención del fraude.
• - Investigar y resolver los casos de fraude denunciados, asegurándose de que la documentación sea precisa y oportuna.
• - Desarrollar e implementar estrategias y procedimientos de prevención del fraude.
• - Colaborar con los equipos de atención al cliente y operaciones para abordar y mitigar los riesgos de fraude.
• - Realizar evaluaciones periódicas del riesgo de fraude y brindar recomendaciones para mejorar.
• - Preparar y presentar informes detallados sobre las tendencias de fraude y las medidas de prevención cuando se lo soliciten.
• - Colaborar con los equipos de productos, ventas, atención al cliente, etc. para abordar y mitigar los riesgos de fraude.
• - Ayudar en la capacitación y educación de los miembros del equipo sobre la prevención y detección del fraude.

Fraud Operations Representative

Product Designer

• Own insights on the D2C checkout experience; maintain a live opportunity map, define hypotheses and prioritize high-leverage fixes to lift conversion and reduce friction.
• Translate insights into shippable solutions with navigable prototypes and complete specs (states, edge cases, copy, error/recovery paths, responsiveness) ready for Engineering.
• Collaborate to define the experience tracking pre-release with PM/Data; Run reviews with PM and stakeholders, documenting results and feeding learnings back into the roadmap.
• Co-create localized, reusable patterns with Engineering (and Content/Legal) for checkout components and flows. Seed a Design System by documenting guidelines, patterns and tokens.
• Safeguard UX quality via design QA and ensure accessibility standards (e.g, WCAG). Run a baseline-then-improve approach to usability, defining guardrails with PMs, measure top-task performance, and prevent experience regressions.
• Drive tight cadences (weekly triad, design crits, reviews), surface risks/decisions early, and keep a transparent changelog and improvements backlog.

Collections

• Explicación y atención al cliente con cualquier información relacionada con su financiamiento, validación y aplicación de pagos.
• Realizar llamadas telefónicas de acuerdo a la cartera asignada para contactar a los distintos Comercios y clientes realizando la gestión de cobranza solicitada.
• Recuperar los pagos de los clientes que se encuentran atrasados ​​en su cuenta, organizando a los clientes dependiendo de su nivel de mora y reportando promesas de pago.
• Cumplir con las metas establecidas, cumpliendo con las políticas, guiones, guión, procedimientos y trato con los clientes.
• Ayudar a mejorar las estrategias de cobranza que ya tenemos implementadas.

Collections Representative

Manager

• Own sales partner engagement and top-of-funnel engagement for technical integration, leading initial discussions and assessing business and technical needs.
• Conduct technical and business discovery to align partner requirements with the most suitable integration path.
• Closely collaborate with local go-to-market teams to prioritize the (potential) partners to engage with
• Utilize API documentation and testing tools to validate partner integration readiness and troubleshoot basic issues.
• Develop structured integration roadmaps, ensuring a smooth transition from discovery to implementation.
• Build and optimize the partner onboarding process, ensuring scalability and efficiency.
• Collaborate with other Product and Engineering teams to ensure alignment and collaboration for more complex integrations
• Track and analyze partner engagement metrics and collect qualitative feedback from partners as an input for product development.
• Act as the primary liaison between partners and internal teams in terms of technical integrations, ensuring alignment and long-term success.

Senior Partnership Development Manager

• El analista de capacitación de ventas será responsable de diseñar e implementar programas, herramientas e iniciativas de aprendizaje y facilitar la información comercial para que el equipo de ventas trabaje de manera más eficiente, identificando brechas de desempeño y conocimiento para crecer el negocio.
• Deliver the sales enablement products and services to all the stakeholders; work with experts in different areas/departments for training content design (content/materials for internal and external audiences).
• Design, develop and implement learning tools in different formats.
• Work with the commercial team to address knowledge gaps of clients and their staff; define action plans to increase sales productivity and improve efficiency of the sales team, stores and clerks through training initiatives.
• Understand the different processes across the organization and participate in the design and implementation of enhancement initiatives.
• Measure the performance of internal sales areas (KPIs, KBIs, KKIs and KSIs), monitor the impact of training to correlate with results, and find improvement opportunities.
• Drive all actions/initiatives that will unlock greater sales opportunities.

• Supervise, guide, and support the customer service team, ensuring alignment with objectives and standards, and providing regular performance-related feedback.
• Monitor and evaluate contact center team activities and assist supervisors and third parties with regular performance feedback.
• Train staff in customer service areas and company policies.
• Optimize workflow processes and procedures to increase efficiency and effectiveness in the customer service area.
• Execute and coordinate controls for compliance with BPO management KPIs.
• Generate reports on team performance, analyzing data to identify trends, issues, and opportunities for improvement.
• Constantly coordinate with Legal & Compliance for the correct execution of claims, writings, or complaints from end customers.
• Analyze customer feedback and operational data to identify areas for improvement in service quality and operational efficiency.

• Develop and maintain systems. Write clean, scalable, and efficient code to ensure robust and high-performance backend systems.
• Implement and manage API connections from third-party vendors to enable seamless communication and enhance functionality.
• Implement Test-Driven Development and execute unit and integration tests to maintain code quality and prevent bugs.
• Create and maintain detailed documentation of software features to provide reliable references and facilitate onboarding.
• Version Control Management to manage codebase changes and facilitate collaboration.
• Conduct code reviews and perform testing to ensure high code quality and identify issues early.

Senior Software Engineer

• Handle partners’ queries, support requests, and operational coordination. Act as a subject matter expert regarding specific issues and concerns raised by the partners.
• Provide accurate, valid, and complete information by using the right methods/tools
• Manage merchant/partner onboarding, including merchants' documentation in order and filed to facilitate the search when needed (official letters, complaints, etc.), data entry, and record-keeping.
• Provide technical guidance to the customer on using a product or service effectively and efficiently.
• Document and escalate issues they encounter with the merchant console and escalate complex issues to higher-level support personnel.
• Oversee store-related tasks, including creation, closure, and clerk management.
• Own the partner communication channel and NPS, by chats, Whatsapp and social networks.
• Provide a weekly report (during a meeting or through a template) and recommendations for better merchant experience for the related managers.

Merchant Operations Representative

Business Intelligence Developer

• Build and maintain all operational reports and dashboards for the 1P ecommerce channel
• Create analytics reports to track customer funnel performance, conversion metrics, and operational KPIs
• Develop automated reporting for call center agent performance and operational metrics
• Perform inventory planning based on sales metrics and demand forecasting
• Conduct market pricing analysis to support competitive pricing strategies
• Design and implement automated workflows using n8n for logistics, shipping, and customer communication
• Leverage AI tools and prompt engineering to optimize operational processes
• Create and maintain retargeting campaigns for funnel drop-off customers
• Implement automation solutions using various LLMs and AI platforms
• Build automated data collection and processing workflows.
• Write advanced SQL queries for complex data analysis and reporting
• Collaborate with product teams to prioritize bug fixes and feature improvements
• Monitor and analyze customer behavior patterns using analytics platforms
• Support pricing elasticity testing and promotional strategy analysis
• Support A/B testing initiatives for funnel optimization

Business Intelligence Analyst

Business Development Rep

• 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 patented technology that turns a smartphone into digital collateral, using machine learning, data science, and anti-fraud AI.
• El representante de desarrollo comercial es responsable de generar nuevas oportunidades comerciales para la empresa mediante la identificación, el contacto y la calificación de clientes potenciales.

Senior Product Manager

Senior Marketing Analytics Analyst

Performance Marketing Partner

Senior Marketing Analytics Manager

Senior Marketing CRM & Lifecycle Manager

Tech Operations Director

Ecommerce Strategy & Ops Manager

Software Engineer – Security Test

Senior Key Account Manager

Customer Support Supervisor

Sales Enablement Analyst

Representante de Vendas Externas

Corporate Counsel

Operations Manager – Logistics, Credit Card/Credit Line

Staff Software Engineer

Senior Growth Manager

Credit Card and Credit Line GTM Lead

Fraud Operations Representative

Product Designer

Collections Representative

Senior Partnership Development Manager

Sales Enablement Analyst

Customer Support Supervisor

Senior Software Engineer

Merchant Operations Representative

Business Intelligence Analyst

Business Development Representative