Principal/Senior Product Manager - Merchant Facing Products

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.

The Product Management team works closely with our engineers to guide products from conception to launch. As part of the Product Management team, you bridge the technical and business worlds as you design services that our customers love. You'll work with teammates from Engineering, Sales, Data Science, and User Experience and External Partners, to name just a few. You can break down complex problems into steps that drive product development at PayJoy speed. As a Product Manager, you will be a crucial part of defining PayJoy’s future.

In this role, you will contribute to the mission of delivering consumer finance at scale by managing key parts of PayJoy’s Merchant/Distributor-facing products which are central to the company.

One of the many reasons PayJoy develops innovative products is because of the collaborative work we do in Product Management. Our team works closely with creative, innovative engineers to design and develop technologies that enable consumer finance in emerging markets. We're responsible for defining product strategy and guiding products throughout the execution cycle. We focus specifically on analyzing, positioning, defining, packaging, and tailoring our solutions to all the markets where we do business.


  • Understand the emerging markets consumer finance landscape, products, and users in-depth
  • Identify market opportunities, build business cases, and define product vision and strategy
  • Manage product launches, working closely with PayJoy engineers, sales, and technical staff to develop and track release milestones and schedules for the many moving parts that need to come together
  • Develop a plan with well-defined launch milestones
  • Manage communication of progress/status within the company and external to the team (customers, partners, etc.); solve problems and escalate issues as necessary
  • Assess the quality of releases through monitoring of incoming issues to identify quality and trends
  • Ability to estimate product impact before and post-launch
  • Requirements

  • BA/BS degree in computer science or related technical field, or equivalent practical experience
  • 10+ years of experience as a Product Manager, launching products on modern, internet-based platforms (mobile, web, API, or chatbot)
  • 2+ years of experience managing external-facing products for a lending company experience with point-of-sale systems (in-store or online)
  • Strong analytical, problem-solving, and organizational skills
  • Able to understand what it takes to write code and have an understanding of large-scale systems

  • Benefits

  • Company-funded health, dental, and vision insurance for employee and immediate family
  • Company-funded employee life and disability insurance
  • 401k contribution
  • Company holidays; 15 days vacation (20 at 3rd year); unlimited sick leave
  • Annual fitness benefit ($500); professional development benefit ($2000), and international travel benefit ($2000)
  • Commuter benefit
  • Headphone 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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