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
The Fraud Strategy Director will join PayJoy’s Financial Product team (Risk Strategy, Data Science, Data Analytics, Fraud Strategy and Fraud Ops). You will be responsible for defining and implementing strategies and processes that optimize the tradeoff between good customer conversion and fraud reduction in PayJoy’s point of sale credit card products. This role will work in close collaboration with credit strategy, product, engineering, data science, sales and operations. Successful candidates will define anti-fraud strategies for PayJoy’s merchant-distributed and direct to consumer channels, be deeply quantitative and possess a balanced view of anti-fraud and conversion where economic outcome is the northstar. PayJoy is committed to the goal of building a dynamic, diverse team, and strongly encourages applications from women and minorities.
Key Responsabilities:
Define PayJoy’s anti-fraud strategies for credit card (consumer direct)
Measure the efficacy of PayJoy’s anti-fraud strategies
Implement strategies that balance the tradeoff between conversion and fraud prevention
Design strategies that are automated and highly scalable
Lead and empower a team of analysts by example to define high-impact fraud strategies
Collaborate with Sales to craft fraud policies for merchants that distribute PayJoy
Build a fraud feedback loop that identifies potential lock vulnerabilities, triages them and appropriately escalates issues to PayJoy’s Lock Engineering team
Mentor and build a high impact fraud analytics team
Qualifications:
7+ years designing anti-fraud strategies for consumer lending portfolios
3+ years managing and growing a team
Strong SQL skills and understanding of statistics and DS modelling
Able to use programming, processes and collaboration with business to drive results
You have negotiated exceptional contracts with 3rd party data vendors
Demonstrated ability to work in a fast-paced, entrepreneurial, global startup environment
Experience with merchant distributed consumer lending products is a plus
Benefits:
Health and life insurance for the employee and immediate family members.
Permanent contract (indefinite-term contract) with 20 vacation days.
$2,000 USD annual allowance for co-working travel.
$2,000 USD annual allowance for professional development.
Stipend/financing for a mobile phone, headphones, home office equipment, and wellness benefits.
