PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Director of ERP Systems is responsible to oversee the design, implementation, maintenance, and continuous improvement of our enterprise resource planning (ERP) systems; by defining the roadmap, oversee critical integrations (loan origination, servicing, collections, treasury, data warehouses), ensure PCAOB/SOX-compliant operations, and manage both an internal team and external partners.
Responsibilities
- Own the vision & roadmap for PayJoy’s finance systems, ensuring scalability, compliance, and alignment with our growth strategy — with an ERP-agnostic mindset.
- Lead & mentor a high-performing team of ERP administrators, developers, and analysts.
- Drive excellence in NetSuite, optimizing financials, CRM, SCM, and custom workflows, while preparing for future transitions (e.g., Oracle).
- Lending Systems Acumen: Provide leadership in the design and optimization of systems supporting a lending lifecycle, including loan origination, servicing, payments, collections, and related financial reporting.
- Ensure robust integration with lending systems, treasury, expense, and BI tools, maintaining clean data flows for accurate financial reporting.
- Project Management: Oversee all phases of ERP-related projects, from requirements gathering and design to testing, deployment, and post-implementation support. Manage project scope, timelines, budgets, and resources effectively.
- Data Integrity & Reporting: Ensure the accuracy, integrity, and security of data within NetSuite. Develop and maintain robust reporting and analytics capabilities with a deep understanding of lending-specific accounting treatments (e.g., revenue recognition for loans, interest accruals, charge-offs, loan loss provisioning).
- Stakeholder Collaboration: Partner closely with finance, accounting, operations, engineering, product, and other departments to understand their needs, gather requirements, and deliver effective ERP solutions.
- Build for compliance: design and maintain systems to meet PCAOB standards, SOX internal controls, and GAAP requirements, especially around loan accounting, provisioning, and revenue recognition.
- Manage vendors & consultants, holding them accountable to deliver on strategic initiatives.
- Champion change management, ensuring seamless adoption of new processes and systems across global teams.
Requirements
- 10+ years leading finance systems or ERP platforms, with deep NetSuite expertise and a strong grasp of broader ERP architectures.
- Experience building systems that meet rigorous audit & compliance requirements (PCAOB/SOX/GAAP).
- Ideally some experience with other ERPs (Oracle, SAP, MS Dynamics) or planning large-scale transitions.
- Strong coding or development experience in general, with a plus for NetSuite-specific development experience (SuiteScript, SuiteTalk, SuiteFlow and saved searches/reports).
- Very familiar with the accounting principles and practices specific to a lending company, including revenue recognition, interest accrual, and impairment.
- A collaborative, hands-on approach — comfortable working across time zones and cultures in a fast-paced, mission-driven company.
- Excellent project management, organizational, and problem-solving skills, with a data-driven approach to decision-making.
- Exceptional communication, interpersonal, and stakeholder management skills. Ability to translate technical concepts to non-technical audiences.
Benefits
- 100% Company-funded Health and Life Insurance for employees and immediate family members
- Indefinite-term contract
- 20 days of vacations
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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