CRO - Digital Experience Manager

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 PayJoy customers. You’ll combine customer behavior, analytics, experimentation, and UX insights to identify opportunities and create digital experiences that are more relevant, intuitive, and high-converting. You’ll define the experimentation strategy and roadmap, build segmentation and personalization strategies, and turn data into actionable improvements across the customer journey. This is a highly cross-functional role where you’ll partner with Marketing, Product, Engineering, Analytics, and other global teams to turn insights into measurable business impact. This is an opportunity to play a key role in shaping the digital experience for millions of customers across our markets while building a strong, data-driven culture of continuous optimization Key responsibilities • Own a deep understanding of the D2C customer funnel, identifying where and why customers drop off throughout the digital purchase journey. • Combine quantitative and qualitative insights, including funnel and cohort analysis, clickstream data, behavioral analytics, session recordings, heatmaps, surveys, and customer feedback. • Translate customer and performance insights into a prioritized CRO and UX optimization roadmap. • Build and manage a prioritized experimentation backlog based on expected impact, customer value, and effort. • Design and execute rigorous A/B and multivariate experiments, defining clear hypotheses, success criteria, sample sizes, and guardrail metrics. • Analyze experiment results using statistical rigor and translate findings into clear business recommendations. • Develop customer segmentation and personalization strategies based on signals such as behavior, traffic source, intent, device, credit profile, and lifecycle stage. • Validate the incremental impact of personalization and optimization initiatives through controlled experimentation. • Partner closely with Marketing, Product, Engineering, Analytics, and other global stakeholders to turn insights into tangible improvements. • Establish and continuously improve frameworks for experimentation, measurement, prioritization, and reporting. • Identify opportunities to improve the customer experience while balancing speed, business impact, and data-driven decision-making. Qualifications • 5–7 years of relevant professional experience, ideally in CRO, digital experience, growth, digital analytics, UX optimization, or D2C/e-commerce. • Strong understanding of Conversion Rate Optimization (CRO) and UX principles. • Proven experience diagnosing funnel performance, identifying friction points, and translating data into actionable hypotheses and recommendations. • Hands-on experience with A/B and multivariate testing, including experiment design, statistical significance, and interpretation of results. • Experience developing segmentation and personalization strategies and measuring their incremental impact. • Familiarity with web analytics and behavioral tools such as PostHog, Hotjar, or similar platforms. • Experience with experimentation platforms such as Convert, VWO, Optimizely, or similar tools. • Background in retail, D2C, e-commerce, or other digital-first environments. • Strong analytical and problem-solving skills, with the ability to move from data to insights and from insights to action. • SQL skills are strongly preferred. • Excellent written and verbal communication skills, with the ability to influence and collaborate with stakeholders across different functions and geographies. • Highly organized and comfortable managing multiple initiatives and stakeholders simultaneously. • Self-driven, results-oriented, and comfortable operating in a fast-paced, dynamic, and constantly evolving environment. • Advanced English and fluency in the local language. Benefits • Local benefits depending on the country of hire • Company-funded health insurance for employee and immediate family • Company-funded employee life and disability insurance • Paid vacation days, unlimited sick leave • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk • Phone finance, headphone benefit, home office equipment allowance and wellness perks • Catered lunches 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