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PayJoy is a mission-driven Public Benefit Corporation providing credit solutions to underserved customers in emerging markets. The company uses proprietary technology for secured credit, point-of-sale financing, and card offerings to help customers achieve financial stability and unlock opportunities as micro-entrepreneurs. With cutting-edge machine learning, data science, and anti-fraud AI, PayJoy has served over 18 million customers while maintaining profitability.
The Risk Strategy Manager will support risk strategy implementation across 1–2 portfolios, with a focus on KPI achievement and maintaining healthy growth through effective risk controls. This is a tactical, execution-focused role that emphasizes data-driven insights and individual technical contributions.
Key responsibilities include:
- Implementing risk strategy initiatives to drive portfolio performance
- Collaborating with Go-To-Market (GTM) and Fraud teams to align risk controls with business objectives
- Monitoring and analyzing KPIs to ensure portfolio health and sustainable growth
- Developing data-driven recommendations to optimize risk management
- Contributing technical expertise in risk modeling, underwriting, or fraud prevention
- Supporting the identification and mitigation of emerging risks
The role is ideal for a finance or risk professional with strong analytical skills, experience in credit risk or portfolio management, and the ability to work cross-functionally in a fast-paced fintech environment.
