Global Collections Director

StartX; San Francisco, Northern (CA, KY); Hybrid; USD 258,000 - 279,000; Full time

Job summary

PayJoy seeks a seasoned global collections leader to define and scale our repayment strategy across multiple regions. The role reports to the COO and co-founder and drives meaningful bottom-line impact while upholding PayJoy’s mission as a Public Benefit Corporation.

The leader will build segmentation, testing, and external partnerships to optimize portfolio performance, customer experience, and lifetime value at scale.

Qualifications

• 10+ years in consumer collections or related field with leadership.
• Experience managing high-volume, small-balance portfolios across markets.
• Analytical mindset with data segmentation and experimentation.
• Lead cross-functional initiatives and manage external partners while ensuring compliance and CX.
• Fintech or digital lending experience preferred.
• Spanish or Portuguese proficiency a plus.

Responsibilities

• Define and execute PayJoy’s global collections strategy for portfolio performance.
• Develop segmentation, implementation, and testing to improve repayment, cure rates, cost to collect, and LTV.
• Collaborate with Marketing, Operations, Credit & Risk, Data Science, Compliance, Product, and Engineering.
• Select and manage external collections partners with rigorous standards for performance and experience.
• Ensure collections practices are fair, compliant, locally appropriate, and aligned with PayJoy’s Public Benefit Corporation commitments.

Skills

Global collections strategy

Leadership

Cross-functional collaboration

Data analysis

Fintech experience

Spanish/Portuguese (plus)

Job description

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

PayJoy is seeking an experienced and innovative global collections leader to set the strategy and scale up our efforts to help customers successfully manage repayment.

As a global Fintech, we operate at scale across Latin American, Africa, and Asia, serving tens of millions of customers. We are a registered Public Benefit Corporation and balance positive customer benefit with for-profit company scale. This leader will help us fulfill our mission to serve our customers by delivering strong portfolio performance, ensuring fair customer treatment, and building long-term customers relationships and lifetime value.

This is a cross-functional role reporting to the COO and co-founder and will drive meaningful bottom-line impact for the business.

Key responsibilities

• Define and execute PayJoy’s global collections strategy to deliver predictable portfolio performance across diverse markets
• Develop segmentation, implementation, and testing capabilities that improve overall repayment, cure rates, cost to collect, and customer lifetime value.
• Partner closely with global Marketing, Operations, Credit & Risk, Data Science, Compliance, Product, and Engineering teams to ensure a seamless experience for our customers and leverage each group’s core capabilities.
• Select and manage external collections partners where appropriate, establishing rigorous standards for performance, customer experience, compliance, and quality.
• Ensure collections practices are fair, compliant, locally appropriate, and aligned with PayJoy’s commitments as a Public Benefit Corporation.

Qualifications

• 10+ years of experience in consumer collections, credit operations, loan servicing, or a closely related field, including leadership responsibility for strategy and performance.
• Proven success managing high-volume, small-balance consumer credit portfolios across multiple countries or distinct markets, ideally serving thin-file or underbanked customers.
• Strong analytical and technical judgment, with experience using data, segmentation, automation, and experimentation to improve collections outcomes.
• Demonstrated ability to lead cross-functional initiatives and manage external collections partners while maintaining strong compliance and customer-experience standards.
• Experience in fintech, digital lending, device financing, or emerging markets is preferred.
• Proficiency in Spanish or Portuguese is a plus but not required.

$258,000 - $279,000 a year

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