Fraud Ops Analyst (Credit Line)

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

The Fraud Operations Analyst will be responsible for monitoring, detecting, and investigating fraud across PayJoy's Credit Line and Credit Card products in the Philippines. This role focuses on identifying emerging fraud patterns, conducting fraud investigations, supporting fraud mitigation initiatives, and ensuring operational queues and investigations are managed effectively. The Fraud Operations Analyst will work closely with Fraud Operations, Risk, Product, Engineering, Collections, and Operations teams to identify control gaps, improve fraud detection capabilities, and strengthen fraud prevention throughout the customer lifecycle. This role is ideal for an analytical and curious individual who enjoys investigations, problem solving, and translating fraud trends into practical actions that protect portfolio quality and support sustainable business growth.

Responsibilities

Requirements

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.

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