Global Collections Director

PayJoy

Global Collections Director scaling repayment strategy for PayJoy, a fintech lender serving underserved customers in emerging markets. Improving portfolio performance, customer treatment, collections analytics, and partner operations across Latin America, Africa, and Asia.

Posted 8/5/2026full-timeSan Francisco • California • 🇺🇸 United StatesLead💰 $258,000 - $279,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and executing global collections strategies, leveraging data and analytics to enhance repayment and customer lifetime value while ensuring compliance and quality standards. Proven ability to lead cross-functional teams and manage external partnerships in the fintech and digital lending sectors.

Highest-signal resume keywords

Global Collections StrategyConsumer Collections ManagementData-Driven Decision MakingCross-Functional LeadershipFintech Industry Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collections Strategy DevelopmentCredit OperationsLoan ServicingData SegmentationAutomation TechniquesPerformance AnalyticsCompliance StandardsCustomer Experience ManagementPortfolio ManagementTesting Capabilities

Soft Skills

Analytical JudgmentLeadershipCollaborationCommunicationProblem-Solving

Industry Keywords

Consumer CreditThin-File CustomersUnderbanked CustomersDigital LendingDevice FinancingEmerging MarketsPublic Benefit Corporation

About the role

Key responsibilities & impact

Define and execute PayJoy’s global collections strategy to deliver predictable portfolio performance across diverse markets
Develop segmentation, implementation, and testing capabilities to improve repayment, cure rates, cost to collect, and customer lifetime value
Partner with Global Marketing, Operations, Credit & Risk, Data Science, Compliance, Product, and Engineering teams
Select and manage external collections partners, establishing standards for performance, customer experience, compliance, and quality
Ensure collections practices are fair, compliant, locally appropriate, and aligned with PayJoy’s Public Benefit Corporation commitments
Report to the COO and co-founder
Drive meaningful bottom-line impact for the business

Requirements

What you’ll need

10+ years of experience in consumer collections, credit operations, loan servicing, or a closely related field, including leadership responsibility for strategy and performance
Proven success managing high-volume, small-balance consumer credit portfolios across multiple countries or distinct markets
Experience ideally serving thin-file or underbanked customers
Strong analytical and technical judgment
Experience using data, segmentation, automation, and experimentation to improve collections outcomes
Demonstrated ability to lead cross-functional initiatives
Experience managing external collections partners while maintaining strong compliance and customer-experience standards
Experience in fintech, digital lending, device financing, or emerging markets is preferred
Proficiency in Spanish or Portuguese is a plus but not required

Benefits

Comp & perks

Work-Life Balance
Equal Employment Opportunity workplace
Mission-driven work supporting underserved customers
Opportunity to contribute to a Public Benefit Corporation's customer-benefit commitments