Risk Strategy Manager

About PayJoy 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 The Risk Strategy Manager supports risk strategy implementation for 1 to 2 portfolios, focusing on ensuring KPI achievement and maintaining healthy growth through effective risk controls. This role collaborates with GTM and Fraud teams and emphasizes tactical execution, data-driven insights, and individual technical contributions. Responsabilities: Oversee performance and profitability of 1 or 2 portfolios. Prepare internal reports and analysis for review by head of risk strategy. Document routine processes and provide support for strategy reviews. Ensure timely achievement of KPIs for the specific countries. Coordinate with GTM teams when rolling out new strategies Write succinct and thoughtful documentation that explains recommendations Use SQL and R or Python for data extraction and manipulation. Work with Data Science to implement ML and AI models. Use A/B Test recommendations into policies Write detailed documentation explaining recommendations. Own and manage risk KPIs for designated portfolios. Qualitications: Experience in risk strategy ideally within the fintech industry. Proven track record in analytics Understanding of statistical tools and methods, and experience working with large data sets. Proficiency in SQL, R, or Python. Strong documentation and communication skills, capable of presenting complex information to key stakeholders. Specialized Knowledge: Advanced Data Analysis: Expertise in using SQL, R, or Python to extract and manipulate data, create models, perform analysis, and generate forecasts. Risk Modeling: Proficient in developing and implementing predictive models to manage and mitigate risk. Benefits: 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. PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally 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