About PayJoy
PayJoy 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
Part 1 — Growth & Lead Generation
Lead end-to-end rollout of new motorcycle financing initiatives (dealer pilots, open-market moto lending, Super Pacman moto integration), coordinating across Ops, Risk, and Product.
Develop and execute lead generation and testing strategies (geo-holdouts, dealer incentive pilots, product experiments) targeting motorcycle dealerships, independent shops, and direct-to-consumer digital channels.
Act as Enablement & Training Lead for the moto vertical in Mexico: ensure dealers, clerks, and promoters are properly trained, incentivized, and equipped to drive motorcycle Credit Line originations and engagement.
Conduct customer and dealer insights analysis to identify growth levers and strengthen adoption at point of sale.
Monitor pilot, store-level, and training performance, generating actionable recommendations to improve Vintage Growth Margin (VGM).
Collaborate with Global Marketing/CRM (Ana Huerta) to localize campaigns and ensure alignment between digital comms and local field enablement.
Be the voice of the motorcycle customer and dealer in Mexico, feeding back insights to Global Product and Marketing teams.
Champion a culture of testing, enablement, and continuous improvement, embedding learnings into both product and operational strategy.
Part 2 — Collections, Operations & GPS Installation
Own the collections process for the motorcycle portfolio, coordinating with the collections team to minimize delinquency and maximize recovery.
Oversee end-to-end GPS device installation and monitoring on financed motorcycles, ensuring compliance, uptime, and asset traceability.
Manage vendor relationships for GPS hardware and installation services; negotiate SLAs and ensure cost efficiency.
Build and refine operational playbooks for motorcycle onboarding, disbursement, GPS activation, and recovery workflows.
Monitor dealer-level and portfolio-level performance, generating actionable insights to improve VGM and reduce NPLs.
Champion operational discipline and continuous improvement, embedding learnings from collections and GPS data into product and process enhancements.
Part 3 — Risk Policy & Strategy Overview
Conduct customer and dealer insights analysis to identify risk drivers specific to motorcycle financing (vehicle type, geography, customer profile).
Partner with the Risk team to design and refine credit policies, scoring models, and approval criteria for the moto segment.
Leverage GPS and collections data to inform risk-adjusted pricing and exposure limits.
Monitor pilot performance against risk KPIs (NPLs, default rates, recovery rates) and recommend adjustments.
Provide strategic overview of the motorcycle portfolio’s risk profile to senior leadership, including trends, outliers, and mitigation recommendations.
Ensure regulatory and compliance alignment on GPS tracking, collections practices, and credit product terms.
3+ years of experience in enablement, product ops, collections, or rollout testing in fintech, retail, vehicle finance, or consulting.
Strong background in training design, customer insights, lead generation, and field adoption levers.
Familiarity with credit products, risk management, GPS/telematics solutions, and product lifecycle execution.
Proven ability to launch pilots and enablement programs, synthesize insights, and scale learnings.
Analytical and data-driven, comfortable working with KPIs (VGM, NPLs, UE, adoption metrics, recovery rates).
Strong communication and training facilitation skills, with the ability to influence both frontline staff and senior stakeholders.
Adaptability and bias for execution in fast-paced, high-growth environments.
Bachelor’s degree in Engineering, Business, Economics, or related field.
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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening