Director, Fraud Strategy

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

Key Responsabilities:

• Define PayJoy’s anti-fraud strategies for credit card (consumer direct)
• Measure the efficacy of PayJoy’s anti-fraud strategies
• Implement strategies that balance the tradeoff between conversion and fraud prevention
• Design strategies that are automated and highly scalable
• Lead and empower a team of analysts by example to define high-impact fraud strategies
• Collaborate with Sales to craft fraud policies for merchants that distribute PayJoy
• Build a fraud feedback loop that identifies potential lock vulnerabilities, triages them and appropriately escalates issues to PayJoy’s Lock Engineering team
• Mentor and build a high impact fraud analytics team

Qualifications:

• 7+ years designing anti-fraud strategies for consumer lending portfolios
• 3+ years managing and growing a team
• Strong SQL skills and understanding of statistics and DS modelling
• Able to use programming, processes and collaboration with business to drive results
• You have negotiated exceptional contracts with 3rd party data vendors
• Demonstrated ability to work in a fast-paced, entrepreneurial, global startup environment
• Experience with merchant distributed consumer lending products is a plus

Benefits:

• Health and life insurance for the employee and immediate family members.
• Permanent contract (indefinite-term contract) with 20 vacation days.
• $2,000 USD annual allowance for co-working travel.
• $2,000 USD annual allowance for professional development.
• Stipend/financing for a mobile phone, headphones, home office equipment, and wellness benefits.

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