Senior Product Manager

**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**

**Responsibilities**:
- Create a roadmap to continuously improve PayJoy’s fraud prevention platform with goals to:

- Reduce fraud losses and operational inefficiencies.
- Enhance fraud detection with cutting-edge models and rules while minimizing false positives.
- Streamline customer experience through frictionless fraud mitigation solutions.
- Lead the end-to-end product lifecycle from ideation, requirements gathering, development, testing, and iteration, to full-scale implementation.
- Work closely with engineering, fraud operations, and data science teams to deliver high-quality solutions that balance security and user experience.
- 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.

**Requirements**:
- 5+ years of product management experience, preferably in fraud or risk management within fintech or a related field.
- Experience driving cross-functional teams, including engineering and data science, to deliver impactful products.
- Proven ability to manage and prioritize multiple initiatives in a fast-paced environment.
- Strong data-driven decision-making skills, including the ability to run SQL queries.
- Familiarity with fraud detection technologies, including behavioral analytics, device intelligence, and machine learning solutions.
- Demonstrated success in creating customer-first solutions while balancing security and operational efficiency.

**Desirable Qualifications**:
- Experience in high-growth startups.
- Familiarity with fraud prevention tools and vendors (e.g., Sift, Arkose Labs, or equivalent).
- Knowledge of compliance regulations related to fraud (e.g., AML, KYC).
- Fluency in Spanish.

**Benefits**:
- *Local benefits will depend of the country of hiring*
- 100% Company-funded Health and Dental insurance for employees and immediate family members.
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk.
- $2,000 USD annual Professional Development perk.

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