About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Product Management team collaborates with engineering to take products from idea to launch, shaping the future of PayJoy. As a key product leader, you will combine your technical expertise with business insights to design products and features that delight our customers and partners. You’ll work with cross-functional teams from Engineering, Sales, Data Science, UX, and external partners.
With a bias for action, you’ll break down complex challenges to accelerate product development at PayJoy’s fast pace.In this role, you’ll drive the mission of delivering consumer finance at scale by managing PayJoy Lock, foundational technology that powers our products. You’ll launch impactful products and features for mobile users and smartphone OEMs.
Responsibilities
- Deeply understand emerging markets lending, specifically device collateralization for customers.
- Identify product opportunities and create investment justifications.
- Collaborate with engineers on cutting-edge technologies.
- Plan and lead product launches, coordinating with engineers, sales, and technical teams.
- Communicate progress internally and externally (customers and partners).
- Monitor product performance, identifying and addressing quality issues.
- Travel for approximately one week per quarter to PayJoy’s markets or partners.
Qualifications
- 5+ years of experience as a Product Manager who has led end-end launches.
- Analytical strength: hands-on ability to query data for insights and to drive product decisions.
- Experience launching mobile security products or features.
- Knowledge of security fundamentals on a mobile platform.
Desired qualifications
- Expertise in launching Android products or features.
Benefits
- Company-funded health, dental, and vision insurance for employee and immediate family
- Company-funded employee life and disability insurance
- 3% employer 401k contribution
- Company holidays; 20 days vacations; flexible sick leave
- $2,000 USD annual Coworking Travel Perk
- $2,000 USD annual Professional Development Perk Perk
- $500 USD annual Fitness Perk
- $250 USD Home Office equipment allowance
- $250 USD Headphone allowance
PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
Top Skills
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.
Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
