PayJoy

Director

• Own the vision & roadmap for PayJoy’s finance systems, ensuring scalability, compliance, and alignment with our growth strategy with an ERP-agnostic mindset.
• Lead & mentor a high-performing team of ERP administrators, developers, and analysts.
• Drive excellence in NetSuite, optimizing financials, CRM, SCM, and custom workflows, while preparing for future transitions (e.g., Oracle).
• Lending Systems Acumen: Provide leadership in the design and optimization of systems supporting a lending lifecycle, including loan origination, servicing, payments, collections, and related financial reporting.
• Ensure robust integration with lending systems, treasury, expense, and BI tools, maintaining clean data flows for accurate financial reporting.
• Project Management: Oversee all phases of ERP-related projects, from requirements gathering and design to testing, deployment, and post-implementation support. Manage project scope, timelines, budgets, and resources effectively.
• Data Integrity & Reporting: Ensure the accuracy, integrity, and security of data within NetSuite. Develop and maintain robust reporting and analytics capabilities with a deep understanding of lending-specific accounting treatments (e.g., revenue recognition for loans, interest accruals, charge-offs, loan loss provisioning).
• Stakeholder Collaboration: Partner closely with finance, accounting, operations, engineering, product, and other departments to understand their needs, gather requirements, and deliver effective ERP solutions.
• Build for compliance: design and maintain systems to meet PCAOB standards, SOX internal controls, and GAAP requirements, especially around loan accounting, provisioning, and revenue recognition.
• Manage vendors & consultants, holding them accountable to deliver on strategic initiatives.
• Champion change management, ensuring seamless adoption of new processes and systems across global teams.

ERP Systems Director

• Technical Review & Verification: Act as the primary internal auditor for all tax provisions and returns prepared by external advisors. You will perform independent "sanity checks" to ensure their logic and calculations align with PayJoy’s business model.
• Advanced Analytical Modeling: Build and maintain robust, formula-driven workpapers in cloud-based spreadsheets (Google Sheets) to track deferred taxes, project Effective Tax Rates (ETR), verify tax positions and implement PayJoy’s global transfer pricing policy.
• Global Research: Rapidly digest and interpret tax laws in new jurisdictions (PH, ID, ZA, IN). You will be responsible for identifying risks and opportunities in these markets and translating them into clear technical summaries.
• Brazil & LATAM Strategy: Own the end-to-end tax lifecycle for Brazil and LATAM (ex-MX). This includes navigating the complexities of the current Brazilian tax landscape and proactively preparing for upcoming tax reforms.
• Data Integrity: Own the "Tax-to-Accounting" bridge, ensuring that financial data is accurately mapped from our ERP to the templates used by our external advisors.
• Audit & Controversy: Manage all interactions with local tax authorities, defending PayJoy’s tax positions and ensuring seamless audit processes.

Senior Tax Manager

Business Development Rep

• Conduct strategic analysis of the situation at retail points and the performance of key accounts to identify improvement and growth opportunities.
• Maintain close relationships with sales representatives and store managers, ensuring effective communication and strengthening commitment to PayJoy products.
• Develop and execute training programs for the sales force, ensuring a deep understanding and proper use of PayJoy products.
• Identify and activate inactive stores by analyzing underlying causes and implementing strategies to revitalize sales.
• Provide strategic support to the Business Development team in implementing initiatives that optimize market penetration and profitability.
• Collaborate closely with the Marketing and Sales teams for targeted campaigns

Business Development Representative

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 – Payments

Manager

• Lead the development and execution of a regional demand generation strategy that drives brand awareness and sales performance.
• Oversee relationships with field marketing agencies, ensuring they adhere to brand values and operational standards. Provide guidance and support to agency partners to enhance their effectiveness in executing campaigns.
• Establish clear, measurable performance targets for field marketing teams. Conduct weekly reviews of these targets to assess progress, identify challenges, and adjust strategies as necessary to ensure alignment with sales goals.
• Coordinate and assign promoter personnel and design contract scalability models for each commercial partner, monitoring and evaluating the effectiveness of activities.
• Analyze sales data and marketing metrics to identify trends, successes, and areas for improvement.
• Work closely with senior marketing leaders, finance, and sales teams to create integrated marketing plans and budgets. Ensure that all marketing initiatives are aligned with overall business objectives and supported by adequate resources.
• Provide regular reports on the performance of field marketing initiatives, including ROI analysis, campaign effectiveness, and recommendations for future improvements.
• Monitor market trends and competitors.
• Work with the fraud team to train and curb fraud in the field to ensure healthy and steady growth levels.

Promoter Manager

Marketing

• Develop and execute marketing strategy for Mexico, with end to end budget ownership and accountability for vintage gross margin against marketing investment.
• Drive in-store marketing across retail network with thousands of points of sale, including
• Align on joint marketing strategies with B2B retail partners and OEMs
• Ensure coherent brand and messages throughout the customer journey
• Co-ordinate with suppliers and field force sales team to ensure high coverage of quality materials at all points of sale
• Drive growth through seasonal and always on marketing
• Ensure strong local brand identity in PR and customer campaigns. Invest to develop local brand identity and appropriate positioning in B2C and B2B2C marketing
• Drive B2C business through B2C retail channel and digital campaigns to drive customer acquisition and retention
• Partner with the Country Manager and Head of Sales to implement and scale new go-to-market business model (new channels, new products, etc).

Senior Marketing Manager

Business Analyst

• Analyze sales performance data to produce reports and data-driven recommendations that guide decision-making and actions by the sales team, using charts, visualizations, and other effective means to communicate findings clearly and concisely.
• Conduct in-depth market research and competitive analysis to identify trends, opportunities, and threats.
• Filter and analyze data consistently and at scale, working with large volumes of data to build a solid foundation for calculated decision-making — recognizing that not all answers are in the data and/or that not all desired data is available.
• Gather information to identify improvement opportunities, including monitoring the impact of training.
• Make recommendations to improve outcomes based on data analysis and a deep understanding of how our products and processes work.
• Measure performance of internal sales areas (KPIs, KBIs, KKIs, and KSIs)
• Analyze marketing campaign performance, including website traffic, lead generation, customer acquisition costs, and customer engagement.
• Analyze the effectiveness of sales enablement programs, sales promotions, and incentives.
• Manage multiple requests and prioritize report generation.

Staff Software Engineer – Origination

• Design, build, and operate our iOS app across multiple markets.
• Implement effective, resilient, and scalable features using Swift, SwiftUI, modern iOS frameworks, unit/integration tests, and clean architecture practices.
• Ensure long-term system health, maintainability, and performance.
• Provide technical input on system-level decisions, identifying and resolving cross-team technical obstacles.
• Own Delivery End-to-End
• Own the technical design, implementation, testing, rollout, and long-term maintenance of major iOS features.
• Be a strong participant in the end-to-end release process for PayJoy’s iOS applications, ensuring timely, reliable, and high-quality delivery across TestFlight, App Store Connect, and production environments.
• Monitor build health, crash reports, and performance metrics during TestFlight and post-release, driving rapid iterations or rollbacks as needed.
• Proactively manage ambiguous or novel problem spaces, ensuring clarity and alignment for collaborating teams.
• Communicate clearly at both tactical and strategic levels, helping colleagues understand tradeoffs, timelines, and dependencies.

Senior Software Engineer – iOS

Product Manager

• Lead product strategy and execution for PayJoy’s identity systems — defining how we verify, trust, and onboard users securely across markets.
• Bring clarity to complexity by framing ambiguous problems, building structured roadmaps, and aligning teams around clear, measurable outcomes.
• Collaborate cross-functionally with engineering, data science, design, risk, and operations to build scalable, reliable identity verification and fraud prevention capabilities.
• Deeply understand customer and market needs to design identity experiences that balance trust, compliance, and conversion.
• Translate abstract goals into actionable plans—defining success metrics, driving prioritization, and ensuring delivery quality at scale.
• Learn and adapt quickly, diving into new technologies, regulations, and ecosystems to inform decisions with rigor and data.
• Drive operational excellence, ensuring the right balance between risk management and user experience while supporting global expansion.
• Influence across levels, partnering with senior leadership to define strategy and champion identity as a core enabler of PayJoy’s mission.

Principal Product Manager – Identity

• 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 our users.
• Collaborate with engineering, risk, and data science teams to build scalable fraud solutions.
• Lead the end-to-end product lifecycle from ideation, requirements gathering, development, testing, and iteration, to full-scale implementation.
• Analyze and leverage data (ability to write and interpret SQL queries) to refine fraud prevention mechanisms.
• Stay informed about emerging fraud trends, regulatory requirements, and industry technologies to maintain a state-of-the-art fraud platform.
• Collaborate with internal teams to implement KPIs and monitoring systems to track fraud metrics and solution efficacy.

Senior Product Manager – Fraud

Staff Software Engineer – Money Team

• Own medium-sized features and services end-to-end — including technical design, development, testing, deployment, and ongoing maintenance.
• Write clean, performant, secure, and wel-tested code with strong observability and monitoring.
• Independently break down requirements, manage risks, and deliver high-quality outcomes with predictable execution.
• Improve system reliability, scalability, and maintainability by addressing technical debt and operational gaps.
• Participate in architectural discussions and provide constructive design and code review feedback across the team.
• Colaborate with Product, Marketing, Data, and Operations to deliver scalable solutions that drive measurable business impact.
• Communicate progress, trade-offs, and risks clearly to peers and stakeholders.
• Contribute to onboarding, documentation, knowledge sharing, and a continuous improvement mindset.
• Participate in hiring activities, mentorship, and building a strong, inclusive engineering culture.

Senior Software Engineer – Marketing Tech

• The Staff Engineer is responsible for leading our technical foundation, initially collaborating with the Money - Finance engine teams to drive innovation, with the opportunity to work with other teams as well, taking on a mentoring role, designing scalable systems, and influencing cross-functional initiatives, in a hands-on position where they will make key technical decisions and build critical services.