Looking for a phone or a cash loan? PayJoy gives you credit with few requirements and in minutes. No late fees charged. Backed by Greylock and USV.
About the role
The Senior Product Manager for Trust & Safety will own the strategy, roadmap, and execution of fraud prevention and detection across PayJoy’s global platforms. This is not a back-office risk role—it’s a high-visibility product leadership position at the intersection of AI, data science, security, and customer experience.
What they're looking for
- Experience with fraud in emerging markets (Latin America, Africa, or Southeast Asia)—where fraud patterns, data availability, and infrastructure look very different from the US/EU
- Familiarity with fraud prevention tools and vendors (e.g., Sift, Arkose Labs, Sardine, or equivalent)
- Background in device intelligence, behavioral biometrics, or identity verification technologies
- Prior experience building or integrating ML-based fraud detection models (you don’t need to train them—but you should know how to evaluate and improve them)
- Hands-on experience applying AI/LLM agents to fraud operations workflows—automated investigation, intelligent case routing, or generative risk scoring
- Knowledge of compliance regulations related to fraud (e.g., AML, KYC)
More about this role
PayJoy is a mission-driven, mission-first company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founded in 2015, PayJoy’s “secret sauce” technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system. We reached profitability in 2019 and are growing rapidly, reaching over a billion dollars of sales in 2022 from millions of happy customers.
The Senior Product Manager for Trust & Safety will own the strategy, roadmap, and execution of fraud prevention and detection across PayJoy’s global platforms. This is not a back-office risk role—it’s a high-visibility product leadership position at the intersection of AI, data science, security, and customer experience. You’ll build the intelligent systems that protect millions of first-time smartphone owners in emerging markets from fraud—including increasingly AI-powered attack vectors—while ensuring that legitimate customers never feel the friction. You’ll partner deeply with Engineering, Data Science, Fraud Operations, and country GMs to ship ML-powered detection, AI-driven decisioning...
Browse similar: Startup jobs · San Francisco Bay Area