PayJoy

Full-stack Engineer

• The Software Engineer is responsible for developing our unique locking technology that combines our proprietary “secret sauce” and the effective use of data to give users credit-based products in emerging markets, as well as focused on world-class app design, web frontend and backend, and partner API integrations.

Senior Software Engineer – Payments

• Code software primarily in PHP, Javascript/Vue/AngularJS, HTML, CSS. Design, implement, test, debug, and deploy features and services from product specification.
• Work with the Product team to deliver code that addresses business needs.
• Use and manage relational SQL databases. Use SQL programming language to perform Create, Retrieve, Update, and Delete operations (DDL and DML commands).
• Design and implement database schema changes to support new features.
• Understand the importance of customer data. Proper handling of customer’s sensitive information.
• Build data driven products
• Work with global engineering teams and partners to deliver great products into international markets.
• Design and implement tools to guarantee that remote teams are able to support partners’ needs.
• Build APIs to deliver the data partners need in real-time.
• Build independently and/or take ownership of sets of features.
• Contribute to feature development across the full life-cycle: requirements to implementation, requirement changes, follow-up implementation, and bug fixes.
• Grow the engineering team. Provide mentorship and documentation for new engineers. Interview new candidates for the teamBe willing to work in a collaborative environment.
• Participate in code reviews as an important part of the job. Be able to work collaboratively with other engineers using engineering practices but not limited to, pair programming and TDD. Willing to work in an Agile environment.

Senior Software Engineer – Money

Product Manager

• Define and drive a multi-market Trust & Safety strategy that balances fraud loss reduction with customer conversion—owning the full roadmap from detection accuracy improvements to false-positive reduction and friction minimization.
• Lead the end-to-end product lifecycle—from problem discovery through launch and iteration—for fraud detection and prevention systems across all PayJoy markets.
• Partner with Data Science and Engineering to ship ML-powered decisioning, AI-driven investigation agents, rule engines, real-time monitoring, and alerting tools that adapt to evolving fraud vectors.
• Design frictionless fraud mitigation experiences (identity verification, step-up authentication, device intelligence) that protect users without punishing them.
• Identify and prioritize emerging fraud patterns across markets—identity fraud, device manipulation, synthetic identities, AI-generated deepfakes, and agentic attacks—before they scale.
• Explore and champion the use of AI and agentic automation to scale fraud operations—automated case triage, adaptive rule tuning, intelligent alert routing—so PayJoy can operate lean fraud ops teams across dozens of markets.
• Define and own key Trust & Safety metrics (loss rates, false positive rates, detection latency, customer impact scores) and build dashboards that make fraud posture visible company-wide.
• Run experimentation frameworks to measure the real-world tradeoff between fraud prevention tightening and customer conversion impact.
• Be the connective tissue between Engineering, Data Science, Fraud Ops, Legal, Compliance, and country GMs—ensuring alignment on fraud tolerance, policy, and customer experience. Communicate risks and roadmap tradeoffs to senior leadership.

Senior Product Manager – Trust and Safety

Account Manager

• Develop trust relationships with a portfolio of major clients to ensure they do not turn to competition
• Acquire a thorough understanding of key customer needs and requirements
• Expand the relationships with existing customers by continuously proposing solutions that meet their objectives
• Serve as the link of communication between key customers and internal teams
• Resolve any issues and problems faced by customers and deal with complaints to maintain trust
• Prepare regular reports of progress and forecasts to internal and external stakeholders using key account metrics

Key Account Lead

Operations

• Monitor and analyze transactions for potential fraudulent activity, ensuring compliance with the fraud prevention strategies and procedures.
• Investigate and resolve reported fraud cases, ensuring timely and accurate documentation.
• Develop and implement fraud prevention strategies and procedures.
• Collaborate with the customer service, product, engineering and operations teams from other countries, to address and mitigate fraud risks.
• Conduct regular fraud risk assessments and provide recommendations for improvement.
• Prepare and present detailed reports on fraud trends and prevention measures when requested.
• Collaborate with Product, Sales, Customer Support, etc… Teams to address and mitigate fraud risks.
• Assist in training and educating team members on fraud prevention and detection.

Fraud Operations Representative

Customer Support

• Real time evaluation and transcript missing information from Identity Documents of suspicious sales flagged by automated tools.
• Prevent identity theft and other fraud vectors as well as report them accurately.
• Contribute to Finance Order originations by approving good sales and correctly blocking bad sales.
• High sense of urgency by reporting issues or bugs derived from Dashboards or Tools.
• Manages and resolves customer disputes related to banking transactions, delivering timely and empathetic support in compliance with internal policies and regulatory requirements; proactively identifies and prevents potential fraud by detecting suspicious patterns, conducts in-depth investigations and root-cause analysis, and collaborates with cross-functional teams

Validation Support Representative

• Monitor and analyze transactions of "Credit Line/Credit Card" for potential fraudulent activity, ensuring compliance with the fraud prevention strategies and procedures.
• Investigate and resolve reported fraud cases from "Credit Line/Credit Card", ensuring timely and accurate documentation.
• Develop and implement fraud prevention strategies and procedures.
• Collaborate with the customer service, product, engineering and operations teams from other countries, to address and mitigate fraud risks.
• Conduct regular fraud risk assessments and provide recommendations for improvement.
• Prepare and present detailed reports on fraud trends and prevention measures when requested.
• Collaborate with Product, Sales, Customer Support, etc… Teams to address and mitigate fraud risks.
• Assist in training and educating team members on fraud prevention and detection.

Credit Line/Card Fraud Operations Lead

Supervisor

• Coordinate and assign promotional staff, as well as design scalable service models for each business partner, to achieve sales goals, achieve effective profitability, prevent fraud, and reduce overdue accounts.
• Monitor and follow up on the strategies defined by managers in the different accounts, negotiating participation in promotions with commercial companies.
• Supervise and support the daily operations of field promotional staff, maintaining field staff records and databases.
• Manage relationships with third-party agencies, establishing operational standards and ensuring compliance, and guiding the deployment of promoters to improve operational efficiency.
• Manage the budget, validating service invoices, processing payment requests, and monitoring expenses associated with the operation of promoters, including calculating field staff incentives.
• Assist in the acquisition, tracking, and delivery of service devices to promoter agencies.
• Implement and measure the results of various initiatives aimed at improving sales volume and quality.
• Monitoring and evaluating the effectiveness of promoters and agencies, and identifying areas for improvement and optimizing results.
• Collaborating with training and fraud prevention teams to educate staff and reduce fraudulent practices at points of sale, ensuring healthy and sustained growth.

Promoter Coordinator – Supervisor Level

Associate

• Manage requests to create, update, and review standard operating procedure (SOP) and knowledge base content; adapting SOP to user-friendly formats (FAQs, interactive guides, videos, presentations, etc.).
• Document and map operational processes, identifying improvements and ensuring alignment with operational reality and opportunities to increase efficiency and effectiveness. Once approved, comminuted and uploaded to Zendesk; ensuring accessibility and clarity, as well as providing process updates for quality assurance and training for validation and implementation.
• Monitor content usage of the knowledge, collect agent feedback, to propose improvements; creating strategies to improve the user experience within the knowledge base.
• Coordinate with stakeholders (supervisors, managers, product, operations, compliance) to understand their needs, gather requirements, and define process improvement goals and objectives, validate changes and ensure proper implementation of updates.
• Research best practices in fintech industry processes and ensure the organization of the documentation repository.

Process Associate

• Manage request to create, update, and review standard operating procedure (SOP) and knowledge base content; adapting SOP to user-friendly formats (FAQs, interactive guides, videos, presentations, etc.).
• Document and map operational processes, identifying improvements and ensuring alignment with operational reality and opportunities to increase efficiency and effectiveness. Once approved, communicate and upload to Zendesk; ensuring accessibility and clarity, as well as provide process updates for quality assurance and training for validation and implementation.
• Monitor content usage of the knowledge, collect agent feedback, to propose improvements; creating strategies to improve the user experience within the knowledge base.
• Coordinate with stakeholders (supervisors, managers, product, operations, compliance) to understand their needs, gather requirements, and define process improvement goals and objectives, validate changes and ensure proper implementation of updates.
• Research best practices in fintech industry processes and ensure the organization of the documentation repository.

Social Media Manager

• Handle Tier 2 customer and clerk interactions across digital and social media channels, including cases escalated from the third-party Level 1 support provider
• Maintain and update internal knowledge bases, FAQs, and response frameworks used by both the internal team and the outsourced Level 1 provider, ensuring consistency and accuracy across all support channels
• Serves as the point of Tier 1 escalations. Troubleshoot issues and resolve complaints within SLA, ensuring proper follow-up
• Act as a subject matter expert on PayJoy loan applications and processes
• Oversee and coordinate the resolution of complex clerk-facing technical issues escalated from Level 1, liaising with Product and Technical Support teams.
• Manage and monitor PayJoy’s social media platforms (Viber, Facebook, Instagram, WhatsApp, etc.)
• Respond to inquiries, comments, and messages within defined SLAs
• Ensure all responses align with PayJoy’s tone of voice and brand guidelines
• Moderate user-generated content to maintain brand safety and compliance
• Track and follow up on escalations to ensure resolution
• Monitor sentiment, engagement trends, and recurring customer concerns
• Share insights and feedback with internal teams to improve products and content
• Maintain and update FAQs, response templates, and workflows
• Create a Standard Operating Procedure (SOP) documenting step-by-step instructions to ensure consistency, efficiency, and compliance for routine business tasks.
• Prepare weekly reports with actionable recommendations to improve customer and clerk experience
• Identify trends and opportunities to enhance engagement and efficiency

Social Media Support

• Monitor and analyze transactions for potential fraudulent activity.
• Investigate and resolve reported fraud cases, ensuring timely and accurate documentation.
• Develop and implement fraud prevention strategies and procedures.
• Collaborate with the customer service and operations teams to address and mitigate fraud risks.
• Conduct regular fraud risk assessments and provide recommendations for improvement.
• Prepare and present detailed reports on fraud trends and prevention measures.
• Stay updated on the latest fraud techniques and industry best practices.
• Assist in training and educating team members on fraud prevention and detection.

Fraud Operations Specialist

• Construir y mantener relaciones comerciales con clientes en la región de operación, impulsando el negocio, aumentando los ingresos y asegurando que sus socios estén vendiendo activamente cada mes.
• Mantener contacto con los administradores y tomadores de decisiones de nuestros socios, para atender sus requerimientos y dar seguimiento a la planificación.
• Mejorar la efectividad de los equipos de ventas de los socios, fomentando una comprensión más profunda de las ofertas de PayJoy y fortaleciendo la experiencia general del cliente, a través de visitas regulares a las tiendas y capacitación personalizada para el personal de ventas.
• Gestionar a los representantes de ventas encargados de apoyar a sus socios.
• Analizar e interpretar datos para la toma de decisiones, comunicando avances, necesidades, puntos de mejora y oportunidad de crecimiento de los territorios asignados.
• Investigar el mercado y analizar el desempeño de la competencia para desarrollar estrategias de ventas efectivas para el área asignada y realizar un seguimiento de las tendencias de ventas para ajustar los planes y acciones.

Territory Manager

Account Executive

• Lograr el cumplimiento de la meta mensual asignada de ventas, activación de tiendas y control de la tasa de morosidad en el territorio bajo su responsabilidad, aumentando la productividad, la participación de mercado y generando nuevas oportunidades no relacionadas con el punto de venta, incluyendo la venta a través de kioskos.
• Asegurar la continuidad de ventas mes a mes con los clientes del territorio asignado.
• Desarrollar una relación comercial de alto valor con los clientes, brindando una atención personalizada en cada etapa, siendo un consultor estratégico para el crecimiento de cada cliente con PayJoy.
• Cumplimiento de plan de visitas en su territorio, asegurar la correcta implementación de materiales publicitarios y detectar oportunidades que ayuden al crecimiento del socio y activar campañas de incentivos.
• Generar estrategias para incrementar las ventas en el territorio asignado, incluyendo el análisis del mercado y competencia para identificar tendencias y oportunidades de ventas.
• Identificar y contactar nuevos socios comerciales, asegurándose de que cumplan con los requisitos y activándose una vez autorizados.
• Mantener actualizada la base de datos de clientes y registrar todas las interacciones y ventas realizadas. Elaborar informes de ventas y análisis de desempeño para la gerencia.

Sales Representative

Sales Operations Manager

• Desarrollar y ejecutar estrategias de *sales enablement* (capacitación y soporte comercial) internas y B2B.
• Brindar capacitación y *coaching* de ventas como apoyo al equipo comercial.
• Medir y reportar métricas clave, tales como la productividad y la satisfacción de los promotores.
• Trabajar en estrecha colaboración con el equipo de Marketing.
• Trabajar de la mano con el equipo de Producto.
• Trabajar alineado a la metodología de pruebas A/B y reportar la efectividad de las estrategias de *sales enablement* a la alta dirección.

Senior Software Engineer – Payments

Senior Software Engineer – Money

Senior Product Manager – Trust and Safety

Key Account Lead

Fraud Operations Representative

Validation Support Representative

Credit Line/Card Fraud Operations Lead

Promoter Coordinator – Supervisor Level

Process Associate

Process Associate

Social Media Support

Fraud Operations Specialist

Territory Manager

Sales Representative

Sales Enablement Manager