SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
PayJoy is a mission-driven Public Benefit Corporation providing credit solutions to underserved customers in emerging markets. The company uses patented secured credit technology to help customers achieve financial stability and access modern quality of life through point-of-sale financing and card offerings. PayJoy has served over 18 million customers as of 2025 while maintaining profitability.
As Machine Learning Director, you will lead the machine learning, data science, and anti-fraud AI initiatives that power PayJoy's credit platform. This is a leadership role overseeing a team focused on building and deploying cutting-edge ML models that drive credit decisions, fraud detection, and risk management across the company's customer base in emerging markets.
You will be responsible for:
- Building and scaling the ML/data science team
- Setting technical strategy and roadmap for ML initiatives
- Developing advanced models for credit risk assessment, fraud prevention, and customer segmentation
- Ensuring model performance, fairness, and compliance in emerging market contexts
- Collaborating with product, engineering, and business teams to translate ML insights into customer value
- Driving innovation in anti-fraud AI and credit decisioning technology
This role offers the opportunity to apply machine learning at scale to financial inclusion, impacting millions of underserved customers while working with a profitable, mission-driven fintech company.
