This rolePayJoy is seeking an experienced and innovative global collections leader to set the strategy and scale up our efforts to help customers successfully manage repayment.
As a global Fintech, we operate at scale across Latin American, Africa, and Asia, serving tens of millions of customers. We are a registered Public Benefit Corporation and balance positive customer benefit with for-profit company scale. This leader will help us fulfill our mission to serve our customers by delivering strong portfolio performance, ensuring fair customer treatment, and building long-term customers relationships and lifetime value.
This is a cross-functional role reporting to the COO and co-founder and will drive meaningful bottom-line impact for the business.
Key responsibilities- Define and execute PayJoy's global collections strategy to deliver predictable portfolio performance across diverse markets
- Develop segmentation, implementation, and testing capabilities that improve overall repayment, cure rates, cost to collect, and customer lifetime value.
- Partner closely with global Marketing, Operations, Credit & Risk, Data Science, Compliance, Product, and Engineering teams to ensure a seamless experience for our customers and leverage each group's core capabilities.
- Select and manage external collections partners where appropriate, establishing rigorous standards for performance, customer experience, compliance, and quality.
- Ensure collections practices are fair, compliant, locally appropriate, and aligned with PayJoy's commitments as a Public Benefit Corporation.
Qualifications - 10+ years of experience in consumer collections, credit operations, loan servicing, or a closely related field, including leadership responsibility for strategy and performance.
- Proven success managing high-volume, small-balance consumer credit portfolios across multiple countries or distinct markets, ideally serving thin-file or underbanked customers.
- Strong analytical and technical judgment, with experience using data, segmentation, automation, and experimentation to improve collections outcomes.
- Demonstrated ability to lead cross-functional initiatives and manage external collections partners while maintaining strong compliance and customer-experience standards.
- Experience in fintech, digital lending, device financing, or emerging markets is preferred.
- Proficiency in Spanish or Portuguese is a plus but not required.
$258,000 - $279,000 a year
