PayJoy

Analyst

• Proactively and systematically test PayJoy's device locking mechanism on a diverse range of Android devices and OS versions following every OTA update.
• Conduct thorough, periodic testing of the lock after every update or modification to the PayJoy lock technology.
• Actively research, identify, acquire, and utilize existing and emerging lock-breaking tools, software, hardware techniques, and methodologies (e.g., factory reset exploits, bootloader vulnerabilities, ADB exploits, custom ROM flashing, FRP bypass tools) to attempt to bypass the PayJoy lock.
• Develop, maintain, and execute comprehensive test plans, test cases, and test scenarios specifically focused on lock security, bypass attempts, and anti-tampering features.
• Simulate various attack vectors and user behaviors that could lead to a lock bypass.
• Document all testing activities, methodologies, findings, discovered vulnerabilities, and precise steps to reproduce in a clear, concise, and actionable manner using our bug tracking system (e.g., JIRA).
• Collaborate closely with Android developers, security engineers, and product managers to report vulnerabilities, discuss root causes, propose mitigation strategies, and verify the effectiveness of fixes.
• Provide detailed reports on test execution, vulnerability status, and overall lock security posture.
• Stay continuously updated on the latest Android security vulnerabilities, platform changes, rooting techniques, bootloader unlocking methods, custom firmware, and new bypass tools/techniques relevant to device locking mechanisms.
• Maintain and manage a lab environment with various Android devices, testing tools, and necessary infrastructure.

Product Lock Analyst

Account Manager

• Develop, manage and implement effective strategic plans and goals to develop new and existing strategic key accounts.
• Build solid and long-lasting trusted relationships with key partners and stakeholders.
• Prepare and maintain accurate forecasts for all key strategic accounts and meet target requirements, tracking key performance indicators (KPIs).
• Develop, manage and implement go to market strategies for each key strategic account, identifying customer pain points and implementing improvement plans in commercial management.
• Lead and mentor a team of professionals to achieve individual goals, meet KPIs, and enhance their skills and performance;
• Collaborate effectively with internal teams, influence cross-functional projects, and take a leadership role in driving integrated business initiatives.
• Analyze market information to identify and leverage strategic partnership opportunities that align with the company’s goals.

Key Account Manager

Compliance

• Design and own PayJoy’s global compliance framework, including policies, procedures, risk assessments, and control standards, ensuring consistent application across all jurisdictions while accommodating local regulatory requirements.
• Establish and oversee independent compliance monitoring and testing programs, including issue identification, remediation tracking, and reporting, to proactively identify and mitigate regulatory and operational risk.
• Serve as the primary compliance partner to the executive team, embedding compliance considerations into business processes, product development, and market expansion initiatives.
• Lead regulatory engagement and examination readiness, including coordination of audits, regulatory inquiries, partner due diligence, and ongoing supervisory interactions, ensuring clear documentation and defensible compliance practices.
• Develop global compliance governance, reporting, and escalation structures, including senior management and committee reporting, to support informed decision-making and accountability across the organization.
• Build and scale the compliance function over time, including defining resourcing needs, leveraging external advisors, and developing internal talent to support PayJoy’s growth and increasing regulatory complexity.

Compliance Director

General Counsel

• Support significant corporate maturity initiatives and transactions by drafting, reviewing, and coordinating external-facing corporate and regulatory documentation in partnership with the General Counsel and external advisors.
• Serve as the primary internal owner for complex corporate records and disclosures, ensuring accuracy, consistency, and timely delivery across stakeholders.
• Manage corporate governance matters, including board and committee materials, minutes, resolutions, equity documentation, and subsidiary governance across jurisdictions.
• Partner closely with Finance, Accounting, and external advisors to support disclosure controls, transaction readiness, and evolving corporate requirements.
• Oversee and leverage paralegal support to scale document management, entity maintenance, and corporate legal operations.
• Monitor developments in corporate and securities law applicable to high-growth companies and proactively surface risks and recommendations to executive leadership.

Senior Corporate Counsel

Financial Planning and Analysis

• Be accountable for the country’s financial performance and cash management, including budgeting, forecasting, and financial reporting, with dotted line management of accounting, internal controls, accounts payable, and tax.
• Develop and implement financial strategies to support the company's growth and profitability objectives, by providing strategic financial guidance to the Country Manager and the executive team to meet financial targets and improve margins and return on invested capital.
• Work closely with the local accounting team to ensure accurate and timely financial reporting in compliance with GAAP, IFRS, and other relevant regulations.
• Help to oversee internal controls and audit processes to ensure financial integrity and compliance, include help to manage relationships with external auditors, investors, regulatory bodies, and other stakeholders.
• Develop and maintain relationships with investors, analysts, and financial institutions and monitor the company's capital structure and optimize capital allocation.
• Lead the financial planning and analysis function to support strategic decision-making, overseeing the development of financial models, forecasts, and performance metrics, and provide insights and recommendations based on financial analysis to drive business performance.
• Build and lead a high-performing finance team, providing mentorship and professional development opportunities to finance team members and fostering a culture of continuous improvement, innovation, and excellence.

Finance Director

Growth Marketing

• Define and own the product strategy and roadmap for Credit Line QR (CLQR) and other payments related use cases such as insurance, payment processing, and others:
• Lead end-to-end product lifecycle management. from market analysis, requirements gathering, and solution design to launch and optimization
• Partner with engineering, compliance, finance, operations, and business stakeholders to deliver scalable, efficient, and regulatory-compliant payment products
• Analyze customer and partner needs, competitor offerings, and regulatory environments across key corridors to identify opportunities for product and margin improvements
• Drive product performance by tracking key metrics including loan volumes, Monthly Active Users, MDRs, etc.
• Manage relationships and integrations with PSPs, settlement banks, FX providers, payment networks, and other enabling partners

Digital Growth Manager

Accounting Manager

• Ensure the accurate and timely financial reporting and compliance of PayJoy's operations in an entity
• Serve as the key between external accounting firm and internal stakeholders
• Oversee the integration of local financial data and the company's global reporting system
• Ensure alignment with both BRGAAP and USGAAP standards
• Manage financial statement accuracy and reporting, accounting operations, internal controls and compliance, process improvement, and stakeholder management and leadership

Recruitment

• Responsible for end-to-end recruitment: sourcing, screening, interviewing, and managing candidates throughout the process.
• Support Engineering and Product teams with hiring needs and recruit best-in-class candidates.
• Proactively source candidates for future roles and create projects to build a strong talent pipeline.
• Screen and rank resumes and applications based on job requirements.
• Conduct pre-screening calls to evaluate candidates’ capabilities and cultural fit; interview to assess knowledge, skills, experience, and aptitude.
• Serve as the primary point of contact for candidates, facilitate the interview process, schedule interviews with hiring managers and interview teams, and build strong relationships with candidates.
• Act as an employer brand ambassador, representing PayJoy’s culture to external candidates.
• Understand PayJoy’s mission, products, services, and culture to promote the company as a great place to work.

Talent Acquisition Partner – Engineering, Product

Full-stack Engineer

• 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

Customer Support

• Atender las alertas generadas en los sistemas sobre operaciones inusuales para identificar y prevenir fraudes.
• Validar los documentos de identidad oficial de manera inmediata, en ventas detectadas como sospechosas por las herramientas automatizadas:
• Aprobado aquellos casos legítimos para contribuir con el incremento de ventas,
• Bloqueando aquellos casos fraudulentos, y reportandolos de forma oportuna.
• Detectar patrones y tendencias de riesgo interno y externo para identificar las causas y proponer controles de reducción de riesgo de fraude.

Validation Support Representative

Attorney

• Supervisar e interpretar las reglamentaciones locales para garantizar que la empresa cumpla con las leyes aplicables y evitar riesgos de incumplimiento.
• Preparar, revisar y actualizar contratos, acuerdos y otros documentos legales para salvaguardar los intereses de la empresa.
• Responder a consultas legales y de cumplimiento rutinarias de las partes interesadas internas, brindando orientación clara y precisa.
• Ayudar a diseñar, implementar y supervisar iniciativas de cumplimiento para alinearse con las políticas corporativas y las regulaciones locales.
• identificar y abordar posibles riesgos legales y regulatorios, proponiendo soluciones para reducir el impacto en las operaciones.
• Trabajar en estrecha colaboración con otros departamentos para garantizar la alineación con los requisitos legales y de cumplimiento en las actividades diarias y los proyectos estratégicos.

Legal and Compliance Analyst

• The Staff Software Engineer IOS is responsible for executing iOS technical design and implementation, by writing software to create a high bar on code quality and model the decision-making and interpersonal behaviors that enable the features that expand financial opportunity for underserved communities around the world.

Staff Software Engineer – iOS

• - Gestionar un gran volumen de llamadas entrantes y salientes, correos electrónicos, redes sociales y chats con conocimiento y eficiencia Identificar y abordar las necesidades de los clientes, con el objetivo de lograr una satisfacción total.
• - Brindar asistencia a los clientes que enfrentan dificultades técnicas relacionadas con productos o servicios. Solucionan problemas, guían a los clientes a través de resoluciones paso a paso o escalan problemas complejos a equipos especializados si es necesario.
• - Identificar oportunidades para recomendar productos o servicios adicionales que se alineen con las necesidades y preferencias de los clientes, participando en técnicas de venta sugerentes para aumentar los ingresos por ventas y mejorar la experiencia del cliente.
• - Tomar las medidas adecuadas para resolver las insatisfacciones o quejas de los clientes de manera profesional y empática; documentar e investigar los problemas con el objetivo de mantener la satisfacción y la lealtad del cliente.
• - Brindar información al equipo de gestión para la mejora continua de productos, servicios y procesos, analizando los comentarios de los clientes de las encuestas posteriores a la interacción para medir los niveles de satisfacción del cliente y la recopilación de comentarios del cliente.
• - Asegurarse de que toda la información esté documentada adecuadamente para futuras referencias o análisis, registrando las interacciones con los clientes, incluidos los detalles relevantes, en la base de datos del centro de contacto o en el sistema de gestión de relaciones con los clientes (CRM). Mantener un alto nivel de calidad de servicio y profesionalismo durante cada interacción con el cliente, cumpliendo con las políticas, procedimientos y regulaciones legales de la empresa al manejar las interacciones con los clientes.
• - Desarrollar continuamente sus habilidades para brindar una mejor experiencia al cliente, participar en sesiones de capacitación y mantenerse actualizado sobre el conocimiento de los productos, el servicio y las tendencias de la industria.

Customer Support Representative

Human Resources

• - Assist Business Partners in implementing global HR programs, including Performance Management, Diversity & Inclusion, and Leadership Development.
• - Support onboarding and offboarding processes for Global Ops employees.
• - Act as a mediator for local workplace issues and promote a positive organizational environment.
• - Assist in the annual performance review cycle, providing guidance and support to managers throughout the process.
• - Research employee trends to identify opportunities for increasing engagement and retention across different markets.
• - Maintain accurate employee data and provide regular reports on turnover, headcount, and other HR metrics.

Human Resources Associate – Global Operations

IT Support

• - Provide Tier 1–2 technical support for hardware, software, and SaaS applications
• - Diagnose and resolve issues related to laptops, desktops, mobile devices, and peripherals
• - Support operating systems (Windows, macOS, Linux) and productivity tools
• - Document issues, resolutions, and procedures in the ticketing system
• - Support and maintain cloud platforms (e.g., Google Cloud, Slack, etc….);
• - Manage user access, permissions, and identity services (e.g., Google SSO, IAM)
• - Assist with cloud-based backups, monitoring, and security best practices
• - Support SaaS applications such as Google Workspace, Microsoft 365, Slack, Jira, etc.
• - Monitor network performance and resolve connectivity issues
• - Assist with network security controls and access management
• - Manage the full lifecycle of IT assets (procurement, deployment, tracking, maintenance, and decommissioning)
• - Maintain accurate asset inventory records and ensure compliance
• - Coordinate device provisioning, replacements, and returnsSupport onboarding and offboarding processes
• - Follow IT security policies and best practices
• - Assist with endpoint protection, patching, and vulnerability remediation (e.g., SentinelOne, Kandji/Iru MDM)Support audits and compliance requirements as needed