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 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Risk Manager is responsible for the performance of one or more of PayJoy’s portfolios, using a data warehouse to build analysis, policy recommendations, pricing and controls that optimize risk outcomes for business and in future new markets.
Responsibilities
- Use SQL and R or Python to extract and manipulate data to make data-driven, actionable recommendations about how to improve outcomes.
- Make actionable recommendations about how to improve outcomes based on data analysis and a deep understanding of how our product works.
- Work closely with the Data Science team to price and implement ML and AI models that optimize portfolio outcomes.
- Define, implement and monitor A/B Tests with the product and marketing team that will improve our product and help us reach more customers.
- Write succinct and thoughtful documentation that explains your recommendations.
- Own risk KPIs for one or more portfolios.
Requirements
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field.
- 4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products.
- Experience working with Credit Limit Increase programs and with scaling products from 0 to scale in a fast-paced startup environment is a plus.
- End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate and the ability to present solutions to cross-functional stakeholders at all levels of the organization.
- Understanding of statistical tools and methods, and experience working with large data sets.
- Mastery SQL, Python and other tools for Data Analysis.
Benefits
- *Local benefits will vary depending of the country of hiring.
- 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 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