Senior Manager of Fraud Strategy

With over a million customers trusting PayJoy, it’s increasingly important that our apps and services operate with integrity and high availability while keeping our customers' data confidential.

This role will join PayJoy’s Financial Product team (Risk Strategy, Capital Markets, Fraud Strategy, Collections, and Fraud Ops). This person will be responsible for defining and measuring strategies that rationally optimize the tradeoff between good customer conversion and fraud prevention in PayJoy’s point of sale phone finance and cash lending products. This role will work in close collaboration with credit strategy, product, engineering, data science, sales and operations. Successful candidates will define anti-fraud strategies for PayJoy’s merchant-distributed and direct to consumer channels, be deeply quantitative and possess a balanced view of anti-fraud and conversion.


  • 5+ years designing anti-fraud strategies for consumer lending portfolios
  • Strong SQL skills
  • Fluent in Python or R
  • Demonstrated ability to work in a fast-paced, entrepreneurial, global startup environment
  • Willingness to be deep in the details while also being able to create and communicate higher level strategy
  • Experience with merchant distributed consumer lending products is a plus
  • Responsibilities

  • Define PayJoy’s anti-fraud strategies for point of sale phone finance (merchant distributed)
  • Define PayJoy’s anti-fraud strategies for cash-lending (consumer direct)
  • Measure the efficacy of PayJoy’s anti-fraud strategies
  • Implement strategies that balance the tradeoff between conversion and fraud prevention
  • Design strategies that are automated and highly scalable
  • Manage PayJoy’s Fraud Operations team
  • Collaborate with Sales to craft fraud policies for merchants that distribute PayJoy
  • Build a fraud feedback loop that identifies potential lock vulnerabilities, triages them and appropriately escalates issues to PayJoy’s Lock Engineering team
  • Mentor and build a high impact fraud analytics team
  • Benefits

  • Company-funded health insurance for employee and immediate family
  • Company holidays
  • 15 vacation days (20 at 3rd year)
  • unlimited sick leave Annual fitness benefit ($500USD)
  • Annual professional development benefit ($2,000USD)
  • International travel benefit ($2,000USD)
  • Christmas bonus 20 days
  • Vacations 15 days
  • Vacation bonus 50% $2,000 MXN / monthly pantry vouchers
  • Phone finance benefit

  • About PayJoy
    PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile locking 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, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to millions in the near future.

    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 * High-Bandwidth Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity

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