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 Growth Manager for New Initiatives is responsible for roll out and expansion of granting a line of credit/credit card with phone financing including funnel and bug detection, identifying bugs/pain points and operational issues, and prioritizing fixes with cross-functional teams, and driving improvements based on user insights and quality standards.
Key Responsibilities
- Monitor the user funnel and identify drop-off points, friction areas, and blockers that affect conversion or usage of the CL/CC.
- Detects and tracks bugs, pain points, and operational issues, working closely with Product, Engineering, and CX teams to ensure resolution.
- Prioritize fixes and enhancements in collaboration with products based on impact, user insights, and business goals, using structured frameworks.
- Gather and synthesize user insights through research, support feedback, and data analysis to inform continuous improvements.
- Drive operational efficiencies through proposal and execution on initiatives applicable to Customer Experience processes, product ops, chatbots, and any other internal tool.
- Responsible for being the voice of the customer, partnering with Customer Insights, Product, Marketing and Risk to analyze, document, and channel to the corresponding stakeholder, as well as defining a plan to ensure structured ongoing customer learning.
- Reduce card declines by identifying root causes and driving initiatives to improve customer understanding and behavior, in close collaboration with Fraud and Risk teams.
Qualifications
- Bachelor’s degree Marketing, Communication, Advertising, Business, Engineering or similar.
- 3+ years of experience in retail strategy, growth, or operations, ideally in fast-paced environments such as retail tech, fintech, or startups.
- Analytical skills with data-driven approach.
- Communication skills for effective collaboration.
- Self-driven and results-driven, willing to work in a dynamic, high-change environment.
- Strong analytical mindset with the ability to turn insights into action.
- Experience working with cross-functional teams and managing complex projects.
- Comfortable with ambiguity and energized by building from scratch.
- Fluency in retail metrics, customer acquisition, and unit economics.
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
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