Senior Product Manager - Cash Reconciliation

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:

• Lead the development of PayJoy’s Internal financial products to support PayJoy’s global expansion (e.g. Loan Management, Cash Flow Reconciliation and Merchant Operations)
• Lead stakeholder discovery efforts through interviews, research, and data analysis to uncover deep operational friction points and validate high ROI opportunities
• Author comprehensive Product Requirement Documents (PRDs) and turn complex problem sets into actionable technical specs and user stories for engineering
• Proactively assess risks, hurdles, and pain points across PayJoy’s financial infrastructure, such as manual processes, data integrity gaps, and scalability constraints, defining mitigation plans before they impact the business
• Thoughtfully prioritize projects and trade-offs setting deliverable expectations across multiple stakeholders
• Manage product launches, aligning closely with PayJoy’s teams of engineers, finance, operations, and technical staff to create plans and track release milestones
• Assess the quality of releases through monitoring of incoming issues to identify quality issues and trends
• Establish product success metrics to measure the impact of your launches and advocate for resources commensurate with impact
• Build a 2-3 year roadmap for the future of PayJoy’s Financial Infrastructure software that aligns with long-term company goals and drives measurable KPIs

Qualitifications:

• Bachelor’s degree in Business, Finance, or a related field; MBA or equivalent advanced degree is a plus
• 7+ years of dedicated Product Management experience, with at least 3 years launching or implementing internal financial software
• Fluent with data: proficient in writing SQL and reviewing data models
• Proficient in using AI tools such as Claude to speed up product discovery and analyze data, with a strong instinct for where AI can automate manual financial workflows
• Strong analytical, quantitative problem-solving, and decision-making skills
• Comfortable collaborating deeply with engineers on system architectures, APIs, data models, and testing rigor
• Track record of leading cross-functional teams of highly talented individuals
• Exceptional communication and storytelling skills, with the ability to influence executives and build alignment around product trade-offs
• Fluent in English and Spanish, both written and spoken

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

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