PayJoy

Attorney

• Design, implement, and maintain AML/CFT frameworks aligned with local and global regulations (e.g., OJK, LFPORPI, FATF, BSA/Patriot Act, OFAC).
• Lead end-to-end KYC/KYB processes, including onboarding, re-identification, and remediation.
• Oversee transaction monitoring, risk ratings, and customer screening; supervise CDD/EDD reviews, investigations, and SAR reporting.
• Ensure products and business practices comply with applicable laws; partner with Product and Engineering to enable compliant, scalable solutions.
• Conduct regulatory risk assessments and ensure alignment with financial services, consumer protection, and market conduct requirements.
• Draft, review, and negotiate commercial agreements (vendors, partners, customers, NDAs).
• Manage the company’s IP portfolio in coordination with external counsel.
• Supervise and coordinate external law firms to ensure high-quality, compliant legal support.
• Serve as the appointed Compliance Officer and lead engagement with regulators, particularly OJK, including regulatory reporting, filings, audits, and inspections.
• Monitor and interpret OJK regulations (POJK/SEOJK) and drive timely implementation across the organization.
• Build and maintain strong relationships with OJK and represent the company in regulatory meetings, inquiries, and industry engagements.
• Advise leadership on regulatory strategy, licensing, and emerging regulatory risks in Indonesia.
• Support the Legal & Compliance Manager (Asia) in executing regional compliance initiatives and ensuring alignment with broader Asia frameworks.
• Contribute to regional projects such as policy harmonization, cross-border regulatory assessments, and implementation of group-wide standards.
• Support global Legal and Compliance initiatives, including rollout of global policies, frameworks, and cross-jurisdictional projects, ensuring local alignment and execution in Indonesia.
• Perform other legal and compliance duties as may be assigned from time to time.

Legal and Compliance Manager

Account Manager

• Develop and execute global PR strategy: Craft a cohesive media and communications strategy that amplifies PayJoy’s mission and business momentum across key markets.
• Media relations: Build and maintain strong relationships with top-tier business, technology, fintech, and social-impact journalists globally and regionally.
• Storytelling and thought leadership: Partner with the executive team to develop compelling storylines, op-eds, and speaking opportunities that highlight PayJoy’s innovation and impact.
• Crisis and reputation management: Anticipate potential issues, manage responses, and ensure timely, aligned communication during critical moments.
• Press materials and content creation: Write press releases, Q&As, briefing docs, and backgrounders that clearly articulate PayJoy’s narrative and results.
• Event and speaking support: Support media visibility and executive participation in major fintech, technology, and social-impact forums.
• Agency management: Manage and collaborate with PR agencies across regions to ensure consistent quality and strategic alignment.
• Measurement: Track, analyze, and report on PR performance metrics to continuously optimize communication effectiveness.

Senior Public Relations Manager

Analyst

• Collaborate with the Tools Global Manager to assess the company's tooling needs and requirements.
• Assist in regular audits and assessments to ensure tools are functioning optimally and meeting user requirements.
• Assist in the configuration, customization, and optimization of tools to align with business objectives and workflows.
• Provide ongoing support and troubleshooting assistance to users experiencing issues with tools.
• Document all changes made to the tools, as well as the inclusion and exclusion of access in order to provide track and control of these actions.
• Proactively identify opportunities to enhance existing tools or implement new tools to drive efficiency and innovation and present implementation cases of said opportunities to the Global Tools Manager.

CX Tools & Automation Analyst

Account Executive

• Achieve the assigned monthly sales target.
• Ensure month-to-month sales continuity with customers in the assigned territory.
• Develop high-value commercial relationships with customers.
• Fulfill the visit plan in your territory.
• Develop strategies to increase sales in the assigned territory.
• Identify and contact new commercial partners.
• Keep the customer database up to date and record all interactions and sales made.

Sales Representative

Manager

• Build analytical models to evaluate product, country and capital structure decisions including cost of capital, advance rates and liquidity planning for review with senior leadership.
• Coordinate with FP&A teams and build and update the company forecast model for investors, gain a deep understanding of the key drivers and conduct analysis as needed
• Support and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.
• Assist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements, local country financing structures. Support structuring workstreams and coordinate with rating agencies, trustees, legal counsel, and other external deal parties as needed.
• Monitor and manage performance of existing credit facilities, including covenant compliance, borrowing base reporting, and lender communications.
• Assist in acquiring new funding partners, transaction execution, and relationship management
• Conduct ongoing market research and competitive analysis on funding trends, spreads, and market conditions relevant to PayJoy's financing strategy.
• Prepare marketing materials and other presentations and reports as required to run the business, including for equity and debt raises. Support investor relations - investor engagement, manage data rooms and periodic updates with risk teams.
• Contribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar.
• Simplify and improve processes, drive standardization and automation, and build scalable solutions to facilitate PayJoy’s future growth
• Synthesize and distill key financial and business insights to senior stakeholders and leadership - identify key financial metrics, analyze results, assess risk and communicate risks & opportunities

Legal and Compliance Manager

Senior Public Relations Manager

CX Tools & Automation Analyst

Sales Representative

Senior Manager, Capital Markets