Product Manager

About PayJoy

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 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Product Management team collaborates with engineering to take products from idea to launch, shaping the future of PayJoy. As a key product leader, you will combine your technical expertise with business insights to design products and features that delight our customers and partners. You’ll work with cross-functional teams from Engineering, Sales, Data Science, UX, and external partners. With a bias for action, you’ll break down complex challenges to accelerate product development at PayJoy’s fast pace.

In this role, you’ll drive the mission of delivering consumer finance at scale by managing PayJoy Lock, a cornerstone of our products. You’ll launch impactful products and features for mobile users and smartphone OEMs.

• Deeply understand emerging markets lending, specifically device collateralization for customers.
• Identify product opportunities and create investment justifications.
• Collaborate with engineers on cutting-edge technologies.
• Plan and lead product launches, coordinating with engineers, sales, and technical teams.
• Communicate progress internally and externally (customers and partners).
• Monitor product performance, identifying and addressing quality issues.
• Travel for approximately one week per quarter to PayJoy’s markets or partners.

• 5+ years of experience as a Product Manager who has led launches end-end.
• Analytical strength: hands-on ability to query data for insights and to drive product decisions.
• Experience launching Android mobile device management or mobile security products or features.
• Technical expertise in Android framework and security.

• Experience launching products with external technical partners.
• Developing and launching products with or at smartphone OEMs.

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 * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening