San Francisco, California, United States · Hybrid
$258k–$279k/yr
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 fo…
Skills: Collections strategy, Credit operations, Loan servicing, Portfolio management, Data analysis
San Francisco, California, United States · On-site
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San Francisco, California, United States · Hybrid
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San Francisco, California, United States · Remote OK
$150k–$190k/yr
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Skills: SEO, AEO, Content strategy, Editorial management, LLM prompting
San Francisco, California, United States · Remote OK
$150k–$190k/yr
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San Francisco, California, United States · Hybrid
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San Francisco, California, United States · Hybrid
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Skills: Python, LLM evaluation, Relational databases, APIs, ETL pipelines
San Francisco, California, United States · Hybrid
$160k–$180k/yr
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San Francisco, California, United States · Hybrid
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San Francisco, California, United States · Hybrid
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San Francisco, California, United States · Hybrid
$100k–$300k/yr
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San Francisco, California, United States · Remote OK
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San Francisco, California, United States · Hybrid
IREN is a vertically integrated AI Cloud provider, delivering large-scale data centers and GPU clusters for AI training and inference. IREN’s platform is underpinned by its expansive portfolio of grid-connected land and …
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San Francisco, California, United States · Hybrid
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San Francisco, California, United States · On-site
$35/hr–$85/hr
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San Francisco, California, United States · On-site
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San Francisco, California, United States · Remote OK
$160k–$180k/yr
Exodigo is the leading underground mapping solution for non-intrusive discovery. Our platforms combine multi-sensor fusion, 3D imaging, and AI technologies to create complete, accurate underground maps that enable confid…
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San Francisco, California, United States · On-site
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San Francisco, California, United States · On-site
$170k–$200k/yr
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Skills: Videography, Video editing, Social media content creation, Adobe Premiere, Final Cut Pro
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Define and execute a global collections strategy to ensure predictable portfolio performance across diverse international markets. Partner with cross-functional teams including Data Science, Operations, and Compliance to optimize repayment rates and customer lifetime value.
Requires 10+ years of experience in consumer collections, credit operations, or loan servicing with a focus on high-volume portfolios. Proven ability to lead cross-functional initiatives and manage external partners while maintaining strict compliance and quality standards.
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.
PayJoy 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.
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.
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.
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.
Finance for the next billion Ownership Break Through Walls Live Communication Transparency & Directness Focus on Scale Work-Life Balance Embrace Diversity Speed * Active Listening
Finance for the next billion
PayJoy 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 credit 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 nearly 20 million customers and lent nearly $4B across 9 countries while achieving solid profitability and growth.
Offices: 655 4th St, San Francisco, California 94107, US · Alcaldía Cuauhtemoc, Ciudad de México, MX · Avenida Paulista, São Paulo, SP, BR · William Nicol Drive & Wedgewood Link Road, Bryanston, Sandton, 2191, ZA · Calle 90 # 12 - 28, Bogotá, CO
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