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.

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.