Product Manager - Lock Platform

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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

Job Summary PayJoy Lock is the core moat of PayJoy's business, a proprietary security stack running across the world's largest emerging market device fleet.

As PM for Lock Platform, you will own the programs that keep that moat strong and expanding. You will combine deep technical fluency with strategic clarity to drive lock security, reliability, and device compatibility programs across multiple markets.

This is a key Individual Contributor role reporting to the Lock Platform Lead. You will work alongside a team of engineers helping to increase PayJoy's lock strength, expand device selection, and reduce fraud and accidental locking across multiple emerging markets.

This role is based in our San Francisco office. We are an in-person team and expect this role to be in office Key Responsibilities Execution & Delivery

Own end-to-end delivery of lock platform initiatives — from problem definition through launch, post-launch iteration, and ongoing operational ownership. Drive lock security initiatives including OTA enforcement, device vulnerability reduction, and the systems that give leadership real-time visibility into platform health. Lead the lock reliability program — own the framework that prevents accidental locking incidents and ensures policy compliance across every new feature shipped. Own device compatibility programs — track where PayJoy has gaps, launch new locking technology to close them, and ensure every device PayJoy finances meets the security bar. Support new market and country launches — own the lock readiness checklist and ensure no new market goes live without meeting the bar. Cross-Functional Leadership