The Senior Director of Engineering will lead teams delivering consumer financial products, ensuring high quality, operational reliability, and alignment with business growth. Responsibilities include strategy definition, team development, and collaboration with various departments to achieve measurable outcomes.
About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
As the Senior Director of Engineering – Consumer & Lock Platform, you will lead the engineering organization responsible for PayJoy’s direct-to-consumer mobile financial products, including Phone Finance, Credit Line, and future credit offerings. These applications are the primary interface between PayJoy and millions of customers worldwide — powering loan applications, device provisioning, payments, servicing, and ongoing credit engagement .
The Consumer organization owns the full-stack delivery of these products, including native Android and iOS native applications, web views, APIs, and backend services . The Consumer teams work closely with Product, Marketing, Risk, Lock, and Payments to ship high-quality financial experiences across multiple countries . These teams operate at meaningful scale and velocity and directly drive revenue, customer satisfaction, and credit expansion. The Consumer teams are centered in Mexico City, Mexico and Bogota, Colombia (with a few members in San Francisco).
In addition, you will oversee the Lock platform, which ensures our ability to create and service financial products for customer segments that other lenders cannot access. The Lock Platform must be broad (across diverse Android and iOS devices and markets) and deep (highly secure against tampering) . The Lock Platform is a critical technology for enabling PayJoy to lend ethically and profitably. The Lock teams are centered in San Francisco.
As Senior Director, you will define the multi-quarter engineering strategy, scale teams as new products and geographies launch, strengthen release and operational rigor, and ensure our systems are reliable, secure, and adaptable. You will operate as a senior partner to Product and company leadership, aligning engineering outcomes directly with business growth and customer impact.
This position is located in San Francisco, California (along with other senior Engineering management roles). It is a hybrid remote/office role (in-office three days per week).
Responsibilities
- Drive end-to-end delivery of high-quality features that power loan origination, payments, servicing, and new credit products
- Establish strong product engineering practices that balance experimentation, speed, reliability, and regulatory compliance.
- Partner closely with Product, Risk, Marketing, and Operations to deliver measurable business outcomes.
- Own multi-quarter roadmaps that scale PayJoy’s consumer financial products across countries and device ecosystems.
- Build and develop high-performing Engineering Managers, Technical Leads, and senior engineers.
- Continuously evolve team structure as products, scale, and market complexity grow .
Qualifications
- Proven ability to deliver complex B2C mobile products end-to-end with measurable business impact.
- 10+ years of engineering leadership experience, including leading multiple teams delivering consumer-facing digital product at scale.
- Experience owning production systems, operational excellence, and reliability practices .
- Strong written and verbal communication skills; comfortable operating in high-growth, fast-changing environments .
- Fintech experience is strongly preferred.
- Exposure to Android firmware, OEM integrations, or mobile device management is helpful but not required.
Benefits
- 100% Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- $2,000 annual Co-working Travel perk
- $2,000 annual Professional Development perk
- $340 Monthly Commuter benefit
- 401k contribution of 3% of salary (up to IRS limits)
- Headphone benefit, home office equipment allowance and wellness perks
- Catered lunches
- 20 paid vacation days, unlimited sick leave
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
PayJoy San Francisco, California, USA Office
655 4th St, San Francisco, CA, United States, 94107
Similar Jobs
eCommerce • Fintech • Food • Mobile • Social Impact
The Administrative Assistant will manage calendars, coordinate travel, support team communications, organize events, and maintain documentation.
Top Skills:
Google WorkspaceMS OfficeScheduling Tools
Artificial Intelligence • Professional Services • Business Intelligence • Consulting • Cybersecurity • Generative AI
Manage customer consulting projects, enhance client relationships, mentor staff, and implement process improvements for customer service effectiveness.
Top Skills:
AIAutomationCcaasContact Center Technologies
Artificial Intelligence • Professional Services • Business Intelligence • Consulting • Cybersecurity • Generative AI
Lead data architecture strategies, drive innovation in data solutions, and oversee compliance with governance and security policies while collaborating with stakeholders to align technical solutions with business needs.
Top Skills:
AWSDatabricksFastapiGoogle Cloud PlatformAzurePythonSnowflakeSQL
What you need to know about the San Francisco Tech Scene
San Francisco and the surrounding Bay Area attracts more startup funding than any other region in the world. Home to Stanford University and UC Berkeley, leading VC firms and several of the world’s most valuable companies, the Bay Area is the place to go for anyone looking to make it big in the tech industry. That said, San Francisco has a lot to offer beyond technology thanks to a thriving art and music scene, excellent food and a short drive to several of the country’s most beautiful recreational areas.
Key Facts About San Francisco Tech
- Number of Tech Workers: 365,500; 13.9% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Google, Apple, Salesforce, Meta
- Key Industries: Artificial intelligence, cloud computing, fintech, consumer technology, software
- Funding Landscape: $50.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Sequoia Capital, Andreessen Horowitz, Bessemer Venture Partners, Greylock Partners, Khosla Ventures, Kleiner Perkins
- Research Centers and Universities: Stanford University; University of California, Berkeley; University of San Francisco; Santa Clara University; Ames Research Center; Center for AI Safety; California Institute for Regenerative Medicine
