About PayJoy PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. Our patented technology turns a smartphone into digital collateral, allowing us to offer the lowest cost and qualify the most customers in the industry. This role The Senior Product Manager defines and leads strategy, roadmap, end-to-end discovery, design, and implementation to enhance the overall customer experience, expand product capabilities, and optimize key performance indicators. Responsibilities - Create a roadmap to deliver a line of products across all markets with a robust set of features such as deposits/withdrawals and rewards/yield. - Conduct market and customer research to identify pain points, unmet needs, and opportunities for innovation in the credit and lending space. - Drive the end-to-end product lifecycle from ideation and requirements gathering to development, launch, and post-launch iteration to full-scale implementation for new features and improvements. - Work closely with legal, engineering, stakeholders, and finance engine leadership to deliver high-quality solutions that balance legal requirements and seamless execution and delivery of product initiatives. - Analyze and optimize product and funnel performance using key metrics, A/B testing, and user feedback to enhance conversion, engagement, and the overall customer journey and drive strategic business decisions. - Analyze data to identify anomalies, understand existing operations, and validate new releases. - Stay informed about emerging trends, regulatory requirements, and industry technologies to explore new features and capabilities to expand our market presence and user base. - Collaborate with internal teams to implement KPIs and monitoring systems to track deposit performance, including unit economics and P&L; impact. Requirements - Bachelor's degree in a technical discipline such as computer science or software engineering. - 6+ years of product management experience in financial services for fintech, consumer lending, or a related field. - Demonstrated ability to lead and collaborate effectively with cross-functional teams. - Proven ability to manage and prioritize multiple initiatives in a fast-paced environment. - Strong analytical and data-driven decision-making skills, with the ability to interpret complex data and translate it into actionable product strategies. - Experience with card issuing or processing platforms, particularly in a modern fintech environment. - Deep understanding of the credit lifecycle and factors influencing credit products, particularly in a dynamic environment. - Proficiency in SQL or other data querying languages for self-serving product insights. Benefits - 100% company-funded health insurance plan for employees and immediate family members. - Life insurance. - Phone finance, home office equipment, and fitness perks. - 30 days of Christmas bonus. - 20 days paid vacation. - 50% vacation premium. - 13% saving funds. - $2,000 MXN monthly grocery coupons. - $2,000 MXN monthly restaurant coupons. - $2,000 USD annual co-working travel perk. - $2,000 USD annual professional development perk. We are an Equal Employment Opportunity employer and welcome people of all backgrounds. Company 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