Risk 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 The Risk Manager is responsible for the performance of one or more of PayJoy’s portfolios, using a data warehouse to build analysis, policy recommendations, pricing and controls that optimize risk outcomes for business and in future new markets. Responsibilities • Use SQL and R or Python to extract and manipulate data to make data-driven, actionable recommendations about how to improve outcomes. • Make actionable recommendations about how to improve outcomes based on data analysis and a deep understanding of how our product works. • Work closely with the Data Science team to price and implement ML and AI models that optimize portfolio outcomes. • Define, implement and monitor A/B Tests with the product and marketing team that will improve our product and help us reach more customers. • Write succinct and thoughtful documentation that explains your recommendations. • Own risk KPIs for one or more portfolios. Requirements • Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field. • 4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products. • Experience working with Credit Limit Increase programs and with scaling products from 0 to scale in a fast-paced startup environment is a plus. • End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate and the ability to present solutions to cross-functional stakeholders at all levels of the organization. • Understanding of statistical tools and methods, and experience working with large data sets. • Mastery SQL, Python and other tools for Data Analysis. Benefits • *Local benefits will vary depending of the country of hiring. • Phone finance, Headphone, home office equipment and fitness perks. • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk 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