Director of Product Management, Onboarding

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 As Director of Product Management, Onboarding, you will lead a team of four product managers responsible for one of the most critical parts of PayJoy's business: the journey that brings customers to originate a loan. You will own the vision for the end-to-end onboarding experience across both digital and in-store channels, with digital as an increasingly important focus for the team. As PayJoy expands, you will play a key role in launching new countries, guiding the strategic decisions of where to build global, scalable solutions versus where to localize for specific markets. Your teams will span: Application — Optimizing for a fast, transparent digital application that adheres to local regulation in every market we serve. Direct-to-Consumer — Building fully digital acquisition journeys that don't begin in a physical store, a fast-growing channel for PayJoy. Enterprise — Building digital solutions that empower our partners to onboard more customers with PayJoy, turning those relationships into a powerful engine for growth. Offers/Risk — Refining how offers are presented and bringing in new data sources that let us underwrite customers who are newer to credit or have thinner credit histories. Responsibilities Vision & strategy • Define and drive the multi-year product strategy for PayJoy's onboarding experience. • Capitalize on incoming customer demand by designing personalized, high-converting onboarding journeys across digital and in-store channels. • Set the strategy for launching onboarding in new countries as PayJoy expands — deciding where to build global, scalable solutions versus where to localize for specific markets. • Identify opportunities to extend onboarding beyond loan origination — including pre-qualification, cross-sell at the point of application, and reactivation of returning customers. Team leadership & delivery • Lead, coach, and grow a team of four product managers, setting a high quality bar and empowering them to own end-to-end delivery across their surfaces — from discovery and prioritization through launch and iteration. • Set the direction and standards for application flow, data architecture, performance, and UX consistency across digital and in-store channels, and hold the team accountable to them. • Establish the operating rhythm and prioritization framework your team uses to make sharp trade-offs and ship with both quality and speed. • Ensure onboarding launches in new markets land quickly and compliantly, guiding the team's build-global-versus-localize decisions and holding the bar on regulatory requirements in every market. Cross-functional leadership • Partner deeply with Engineering leadership to align on architecture decisions, build out onboarding best practices, and scale onboarding capacity. • Own key business KPIs such as conversion rate through the onboarding funnel and cost per approved customer. • Ensure onboarding investments accelerate core revenue to the business. • Influence senior stakeholders across Product, Engineering, Design, Data, and Operations to align on priorities and trade-offs. Qualifications • • 8+ years of product management experience, with at least 5 years in a senior or staff-level role. • Demonstrated experience building and scaling consumer products — ideally at a company that's gone through a period of rapid growth or a platform inflection point. • Deep expertise across the customer journey: acquisition and onboarding funnels, conversion optimization, and the data infrastructure that supports them. • Strong background in fintech or consumer financial services preferred • Proven ability to translate ambiguous strategic goals into clear roadmaps, sharp prioritization decisions, and measurable outcomes. • Ability to drive the analytical measurement of the team — ensuring the right instrumentation is in place to build dashboards, track performance, and continuously monitor the health of the product. • Experience leading and inspiring product teams, managing multiple workstreams and stakeholders at significant scale. • Exceptional cross-functional influencer across engineering, design, data, risk, and operations — without relying on formal authority. • Fluency in English, written and spoken. Nice to have • Experience with platform-level product architecture — particularly secured/unsecured or credit lifecycle product models. • Background in emerging markets, LATAM, or building products for underbanked consumer segments. • Hands-on experience with conversion optimization, growth loops, or customer data platforms and communication tooling. • SQL fluency or equivalent ability to self-serve product insights from data. Benefits • 100% Company-funded Health and dental and vision discount plan for employees and immediate family members. • Life insurance. • Phone finance, Headphone, home office equipment and wellness perks. • 30 days of Christmas bonus • 20 days paid Vacation • 50% Vacation premium • 13% Saving funds • $2,000 MXN monthly grocery coupons • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk • 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