Global Collections Senior Manager

About PayJoy

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 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Global Collections Senior Manager is responsible for designing, implementing and executing Payjoy's Global Collections strategy, owning all major Collections KPIs (recovery over control group by delinquency segment, Default rates, roll rates, and FPD15), leading the Global Collections team, measuring performance, iterating experiments to improve recoveries, and implementing new tools to maximize agencies and teams' efficiency.

Responsibilities

• Design and implement preventive collections strategies across all markets.
• Design and implement corrective collections strategies across all markets.
• Measure team's performance on a weekly and monthly basis, reacting accordingly.
• Implement new tools to automate processes and improve teams' efficiency.
• Manage and improve performance of outsourced agencies in all markets.
• Collaborate closely with Risk, Data Science, country managers, and Finance teams to improve Collections results.

Requirements

• Major in accounting, finance, economics, actuary, or related field.
• Experience with collections-specific software to handle operations at a global level with agencies and internal teams, integrating channels, strategic parameters, and performance measurement.
• Specific knowledge of collections strategies targeted at low or variable income customers in emerging markets.
• An ideal candidate will have deep analytic skills, be a structured problem solver, a great communicator, a kind and coaching leader with their teams, and proactive and creative in proposing new ways to improve recoveries.
• Desirable: CRM knowledge, Payment platform connections through APIs, basic SQL knowledge, and coding abilities.

Benefits

• 100% Company-funded Health and Dental insurance for employees and immediate family members.
• Life insurance.
• Monthly benefits of meal vouchers and Home Office assistance.
• 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 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