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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 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Senior Product Manager is responsible for defining and leading strategy, roadmap, end-to-end discovery, design, and implementation to enhance the overall customer experience, expand product capabilities including international expansion, and optimize key performance indicators.
Key responsibilities
- Create a roadmap to deliver of a line products across all PayJoy markets with a robust set of features such as deposits/withdrawals (cash, bank transfers, card, bill-pay) and rewards/yield.
- Conduct in-depth market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space.
- Drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration , to full-scale implementation. for new features and improvements.
- Work closely with legal, engineering, stakeholders,and existing finance engine leadership to deliver high-quality solutions that balance legal requirements and seamless execution and delivery of product initiatives.
- Continuously analyze and optimize product and funnel performance using key metrics, A/B testing, and user feedback to enhance conversion, engagement, and the overall customer journey (from application to usage and repayment) and drive strategic business decisions and sustained profitability.
- Analyze and leverage data (ability to write and interpret SQL queries) to identify anomalies, understand existing operations, and validate new releases.
- Stay informed about emerging line product trends, regulatory requirements, and industry technologies, exploring new features and capabilities to expand our market presence and user base.
- Collaborate with internal teams to implement KPIs and monitoring systems to track deposit performance, including unit economics and P&L impact.
Qualifications
- Bachelor’s degree in a technical discipline such as computer science, software engineering, or a related field.
- 6+ years of product management experience in n product management within financial services for fintech, Consumer Lending, or a closely related financial services domain.
- Demonstrated ability to lead and collaborate effectively with diverse cross-functional teams including engineering, design, data science, and risk.
- Proven ability to manage and prioritize multiple initiatives in a fast-paced environment.
- Strong analytical and data-driven decision-making skills, with the ability to interpret complex data, identify key insights, and translate them into actionable product strategies.
- Experience with card issuing or processing platforms, particularly in a modern fintech environment.
- Deep understanding of the credit lifecycle and factors influencing credit products, particularly in a dynamic, fast-paced environment.
- Proficiency in SQL or other data querying languages for self-serving product insights.
Benefits
- 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
- Life insurance.
- Phone finance, Headphone, home office equipment and fitness perks.
- 30 days of Christmas bonus
- 20 days paid Vacation
- 50% Vacation premium
- 13% Saving funds
- $2,000 MXN monthly grocery coupons
- $2,000 MXN monthly restaurant coupons
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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
What you need to know about the San Francisco Tech Scene
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