About PayJoy PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. We leverage patented technology that turns smartphones into digital collateral, along with advanced machine learning, data science, and anti-fraud AI, to offer the lowest costs and maximize customer qualification. As of 2024, we have provided billions of dollars in credit to 12 million customers, doubling in the last two years, while remaining profitable and sustainable long-term. This role The Senior Product Manager for the Fraud Team will define and lead the strategy, roadmap, and execution of fraud prevention and detection initiatives across PayJoy's global platforms. The role focuses on implementing innovative tools and techniques to reduce fraud losses while ensuring a seamless user experience. Collaboration with engineering, risk, and data science teams will be essential to build scalable fraud solutions. The ideal candidate will have expertise in fraud risk management, data analytics, and a passion for financial inclusion. Strong problem-solving skills and the ability to work in a fast-paced, cross-functional environment are crucial. Responsibilities Create a roadmap to improve PayJoy's fraud prevention platform with goals to: Reduce fraud losses and operational inefficiencies. Enhance fraud detection with advanced models and rules while minimizing false positives. Streamline customer experience through frictionless fraud mitigation solutions. Lead the end-to-end product lifecycle from ideation, requirements gathering, development, testing, and iteration, to full-scale implementation. Collaborate closely with engineering, fraud operations, and data science teams to deliver solutions that balance security and user experience. Use data analysis (including SQL queries) to refine fraud prevention mechanisms. Stay informed about emerging fraud trends, regulations, and industry technologies to keep the platform state-of-the-art. Work with internal teams to develop KPIs and monitoring systems to track fraud metrics and solution performance. Requirements 5+ years of product management experience, preferably in fraud or risk management in fintech or related fields. Experience leading cross-functional teams including engineering and data science. Proven ability to manage multiple initiatives in a fast-paced environment. Strong data-driven decision-making skills, including SQL proficiency. Familiarity with fraud detection technologies such as behavioral analytics, device intelligence, and machine learning. Success in creating customer-centric solutions that balance security and operational efficiency. Desirable Qualifications Experience in high-growth startups. Knowledge of fraud prevention tools and vendors (e.g., Sift, Arkose Labs). Understanding of compliance regulations like AML and KYC. Fluency in Spanish. Benefits *Benefits depend on the hiring country* 100% company-funded health and dental insurance for employees and immediate family. Perks including phone finance, headphones, home office equipment, and fitness allowances. $2,000 USD annual co-working travel perk. $2,000 USD annual professional development allowance. PayJoy is an Equal Employment Opportunity employer and values diversity. We do not discriminate based on race, religion, color, national origin, gender (including pregnancy and related conditions), sexual orientation, gender identity/expression, age, veteran status, disability, or other protected characteristics. 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 #J-18808-Ljbffr