Jobs in Tijuana, United States

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 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 Global Fraud Analytics is responsible to lead the fraud analytics team responsible for optimizing PayJoy’s automated anti-fraud systems that balance the seamless end user experience with great fraud and to build and integrate new tools focused on using data as a competitive advantage and includes PayJoy’s core quantitative functions such as Risk Strategy, Fraud Strategy, Portfolio Valuation, Machine Learning and Data Science.

• Optimize PayJoy’s automated anti-fraud tools that protect our distribution networks, card transactions and user onboarding systems.
• Develop and implement advanced analytics models to detect and prevent fraud across all markets where PayJoy is present.
• Independently analyze fraud trends, writing queries and code to optimize strategies to identify patterns and trends in fraudulent activities.
• Lead the development or procurement of new tools that accomplish anti-fraud objectives and deliver value.
• Own and improve rules, thresholds, and ML models in collaboration with Data Science.
• Clearly communicate your vision and partner with multiple teams to execute on your strategy.
• Mentor and continue building PayJoy’s Fraud Analytics team
• Stay updated on the latest trends and technologies in data analytics and fraud detection.

• Bachelor’s degree in Computer Science, Engineering, or a related field.
• 7+ years of experience optimizing and designing globally large scale user anti-fraud systems with quantitative methods as an ultra growth Fintech company.
• Strong leadership and people management skills with at least 2 years of experience leading and scaling high-performing teams.
• High proficiency in Python and a strong understanding of its related libraries and frameworks (e.g., Scikit-Learn, Pandas, Flask, etc).
• Comprehensive knowledge of ML life cycle: from data extraction and feature engineering to model serving and monitoring for live and batch processing.
• Demonstrated experience with cloud providers (AWS preferred) and related services like containerization (e.g., Docker).
• Experience in credit risk modeling, fraud detection or other applications of machine learning in the financial market is a big plus.
• Good verbal and written communication skills in English
• Ability to work in a fast paced environment with constant requirement changes.

• *Local benefits may vary depending on the country of hire*
• 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