Director of Product Management, Onboarding

About this role

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 Director of Product Management, Onboarding, you will lead a team of four product managers responsible for one of the most critical parts of PayJoy's business: the journey that brings customers to originate a loan. You will own the vision for the end-to-end onboarding experience across both digital and in-store channels, with digital as an increasingly important focus for the team. As PayJoy expands, you will play a key role in launching new countries, guiding the strategic decisions of where to build global, scalable solutions versus where to localize for specific markets. Your teams will span: Application — Optimizing for a fast, transparent digital application that adheres to local regulation in every market we serve. Direct-to-Consumer — Building fully digital acquisition journeys that don't begin in a physical store, a fast-growing channel for PayJoy. Enterprise — Building digital solutions that empower our partners to onboard more customers with PayJoy, turning those relationships into a powerful engine for growth. Offers/Risk — Refining how offers are presented and bringing in new data sources that let us underwrite customers who are newer to credit or have thinner credit histories.

Responsibilities

Qualifications

Benefits

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.