Global Collections Director

PayJoy is seeking an experienced and innovative global collections leader to set the strategy and scale up our efforts to help customers successfully manage repayment.

As a global Fintech, we operate at scale across Latin American, Africa, and Asia, serving tens of millions of customers. We are a registered Public Benefit Corporation and balance positive customer benefit with for-profit company scale. This leader will help us fulfill our mission to serve our customers by delivering strong portfolio performance, ensuring fair customer treatment, and building long-term customers relationships and lifetime value.

This is a cross-functional role reporting to the COO and co-founder and will drive meaningful bottom-line impact for the business.

• Define and execute PayJoy’s global collections strategy to deliver predictable portfolio performance across diverse markets
• Develop segmentation, implementation, and testing capabilities that improve overall repayment, cure rates, cost to collect, and customer lifetime value.
• Partner closely with global Marketing, Operations, Credit & Risk, Data Science, Compliance, Product, and Engineering teams to ensure a seamless experience for our customers and leverage each group’s core capabilities.
• Select and manage external collections partners where appropriate, establishing rigorous standards for performance, customer experience, compliance, and quality.
• Ensure collections practices are fair, compliant, locally appropriate, and aligned with PayJoy’s commitments as a Public Benefit Corporation.

• 10+ years of experience in consumer collections, credit operations, loan servicing, or a closely related field, including leadership responsibility for strategy and performance.
• Proven success managing high-volume, small-balance consumer credit portfolios across multiple countries or distinct markets, ideally serving thin-file or underbanked customers.
• Strong analytical and technical judgment, with experience using data, segmentation, automation, and experimentation to improve collections outcomes.
• Demonstrated ability to lead cross-functional initiatives and manage external collections partners while maintaining strong compliance and customer-experience standards.
• Experience in fintech, digital lending, device financing, or emerging markets is preferred.
• Proficiency in Spanish or Portuguese is a plus but not required.

$258,000 - $279,000 a year

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

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.