Director of Product Management, Onboarding

• Experience with platform-level product architecture — particularly secured/unsecured or credit lifecycle product models.
• Background in emerging markets, LATAM, or building products for underbanked consumer segments.
• Hands-on experience with conversion optimization, growth loops, or customer data platforms and communication tooling.
• SQL fluency or equivalent ability to self-serve product insights from data.

• Application – Optimizing for a fast, transparent digital application that adheres to local regulation in every market we serve.
• Direct-to-Consumer — Building fully digital acquisition journeys that don't begin in a physical store, a fast-growing channel for PayJoy.
• Enterprise – Building digital solutions that empower our partners to onboard more customers with PayJoy, turning those relationships into a powerful engine for growth.
• Offers/Risk – Refining how offers are presented and bringing in new data sources that let us underwrite customers who are newer to credit or have thinner credit histories.

• Define and drive the multi-year product strategy for PayJoy's onboarding experience.
• Capitalize on incoming customer demand by designing personalized, high-converting onboarding journeys across digital and in-store channels.
• Set the strategy for launching onboarding in new countries as PayJoy expands — deciding where to build global, scalable solutions versus where to localize for specific markets.
• Identify opportunities to extend onboarding beyond loan origination — including pre-qualification, cross-sell at the point of application, and reactivation of returning customers.

• Lead, coach, and grow a team of four product managers, setting a high quality bar and empowering them to own end-to-end delivery across their surfaces — from discovery and prioritization through launch and iteration.
• Set the direction and standards for application flow, data architecture, performance, and UX consistency across digital and in-store channels, and hold the team accountable to them.
• Establish the operating rhythm and prioritization framework your team uses to make sharp trade-offs and ship with both quality and speed.
• Ensure onboarding launches in new markets land quickly and compliantly, guiding the team's build-global-versus-localize decisions and holding the bar on regulatory requirements in every market.

• Partner deeply with Engineering leadership to align on architecture decisions, build out onboarding best practices, and scale onboarding capacity.
• Own key business KPIs such as conversion rate through the onboarding funnel and cost per approved customer.
• Ensure onboarding investments accelerate core revenue to the business.
• Influence senior stakeholders across Product, Engineering, Design, Data, and Operations to align on priorities and trade-offs.

• 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
• Life insurance.
• Phone finance, Headphone, home office equipment and wellness perks.
• 30 days of Christmas bonus
• 20 days paid Vacation
• 50% Vacation premium
• 13% Saving funds
• $2,000 MXN monthly grocery coupons
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Catered lunches

PayJoy 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

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.

This role

As Director of Product Management, Onboarding, you will lead a team of four product managers responsible for one of the most critical parts of PayJoy's business: the journey that brings customers to originate a loan.

You will own the vision for the end-to-end onboarding experience across both digital and in-store channels, with digital as an increasingly important focus for the team. As PayJoy expands, you will play a key role in launching new countries, guiding the strategic decisions of where to build global, scalable solutions versus where to localize for specific markets.