Risk 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.

PayJoy is hiring a Risk Manager in Mexico who will help scale PayJoy’s point of sale phone finance and cash portfolio.  The right candidate will be ambitious, self-driven and data driven, as well as looking to have a big impact at a fast growing startup.  The right candidate will also be deeply motivated by PayJoy’s mission to empower the next billion smartphone users.  
As Risk Manager, you will be responsible for one or more of PayJoy’s portfolios. You will be using PayJoy’s data warehouse to build analysis, policy recommendations, and dashboards that optimize risk outcomes across Mexico.  You will be focused on defining actionable next steps that improve product profitability and risk KPIs, all while maintaining laser focus on PayJoy’s mission of bringing finance to the next billion. You will work directly with and provide data leadership for a broad set of teams including the Executive, Product, Engineering and Go to Market Teams. You will also be in charge of the day to day operations of our Mexico portfolio and the relationship with key stakeholders. 


  • Use SQL and R or Python to extract and manipulate data that underpins your recommendations (we are very data-driven) 
  • 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 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
  • Qualifications:

  • Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar field
  • 4+ years of experience in risk management functions in fintech or commercial banking
  • Strong general analytical and problem-solving skills 
  • Mastery of SQL
  • Proficiency in Python or R
  • Understanding of statistical tools and methods, and experience working with large data sets 
  • Benefits:

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