PayJoy jobs, judged for you, free

What they do

PayJoy lends money to people who have no credit history. Its postings call it a Public Benefit Corporation and a mission-first credit provider for under-served customers in emerging markets. Its patented technology secures a loan against the phone itself, which lets a new customer enter the credit system. Postings say PayJoy has served over 18 million customers as of 2025.

What they value

• Reaching people the credit system leaves out, which the mission states.
• Being profitable while doing it, which postings call solid profitability for sustainable growth.
• Machine learning and anti-fraud work, named as how the lending is judged.
• Being close to the merchant, because merchant operations is a large team.
• Financial education, which product postings ask to embed in the app.

Where they hire

Of 79 postings, Mexico City holds 29 and Bogotá 12, so Latin America is the centre of the board. Jakarta holds 11 and Taguig City eight. San Francisco holds nine, Panama City five, São Paulo four, Quito three, and Johannesburg three. Some postings list several Latin American cities at once. All 79 are full time and none is remote.

Teams and roles

Sales and merchant work are the largest part of the board, which reflects lending through shops rather than online only.

• Sales: 21 postings, the largest team, plus three in sales operations.
• Merchant operations: nine postings, which manage the shops that offer the financing.
• Core engineering: eight postings.
• Support: four postings in global clerk support and four in global general support, plus three in global tools and metrics.
• Legal: four postings.
• Financial operations: three postings, plus three in accounting.
• Risk strategy: three postings, which set the lending rules.
• People operations: two postings.

What they look for

Postings repeat the mission, then describe the role in plain terms. The analytics engineer posting in Bogotá asks you to design, build, and maintain the data pipelines that load data from several sources into the warehouse, and to keep that data accurate, timely, scalable, and governed so analysts and business teams can rely on it. Senior product postings state the reporting line and the scope: the principal product manager posting is described as a senior individual contributor role reporting to the senior vice president of product, working with engineering leadership and the executive team, and asks for a multi-year strategy that extends the app beyond loan servicing into cross-selling, e-commerce, rewards, and engagement. Commercial and support roles sit in the market they serve, so the local language of that country is part of the job.