Capital Markets Operations Manager

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 Capital Markets Operations Manager will join PayJoy’s Financial Products team (Risk Strategy, Capital Markets, Fraud Strategy, Collections and Fraud Ops). Reporting to the Head of Capital Markets, this person will own the operations aspects of PayJoy’s financing arrangements and scale with the organization to maximize efficiency and compliance. This role will work in close collaboration with a number of other individuals across credit strategy, product, engineering, data science, sales and operations. Successful candidates will manage investors and third party vendors across facilities in all of PayJoy’s markets. PayJoy is committed to the goal of building a dynamic, diverse team, and strongly encourages applications from women and minorities.


  • Support and contribute to PayJoy’s funding strategy of the existing loan book in Mexico and expansion into new markets in Latam, Africa, and Asia
  • Interface directly with institutional investors, providing timely responses and support for their inquiries
  • Execute and streamline day-to-day operating activities for all investor cash related cash flows
  • Build and manage systems to automate back-end processes for investors
  • Own operational issues as they occur and lead new implementations to prevent ongoing issues
  • Contribute to the development of external systems used by investors and responses to those systems
  • Requirements:

  • 5+ years of financial operations experience, banking experience strongly preferred
  • Fluent in Microsoft Office and strong SQL skills
  • Demonstrated ability to work in a fast-paced, entrepreneurial, global startup environment
  • Superb attention to detail and time management skills
  • Excellent oral and written communication skills with ability to present in person and in writing to non-expert audiences
  • Build and retained operational teams in similar environments
  • Benefits:

  • Company-funded health insurance for employee and immediate family 
  • Company holidays
  • 15 vacation days (20 at 3rd year)
  • Annual fitness benefit ($500USD)
  • Annual professional development benefit ($2,000USD)
  • International travel benefit ($2,000USD)
  • Christmas bonus 20 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

    Apply for Capital Markets Operations Manager

    Resume is required

    Full name is required

    Phone number is required

    Salary expectations

    What are your salary expectations *

    SQL - FP&A

    How would you self-rank your SQL ability? *

    Demographic Survey for PayJoy

    We invite you to complete this optional survey to help us evaluate our diversity and inclusion efforts. Submission of the information on this form is strictly voluntary and refusal to provide it will not subject you to any adverse treatment or affect your job application. Information obtained will be kept separate from your name or job application. This information will be kept secure and confidential and will be used solely to evaluate our diversity and inclusion efforts.