Senior Product Manager, Credit Line Platform

Socket.dev; San Francisco (CA); On-site; USD 250,000 - 270,000; Full time

Job summary

PayJoy is seeking a Senior Product Manager for the Credit Line Platform to define and drive the Loan Management System (LMS) from discovery through implementation. You will own underwriting, payments, withdrawals, amortization, internal functions, and customer invoicing, working with engineering and operations to deliver scalable, secure solutions.

The role requires 5+ years in product management in fintech or a related field, with the ability to balance customer needs with security and

Qualifications

• 5+ years of product management experience, preferably in Loan Management Systems or loan servicing within fintech.
• Experience driving cross-functional teams to deliver impactful products.
• Proven ability to manage and prioritize multiple initiatives in a fast-paced environment.
• Strong data-driven decision-making skills, including the ability to run SQL queries.
• Ability to define algorithms, data structures, and platform services.
• Familiarity with Loan Management Systems, underwriting, and servicing operations in both loan and line products.

Skills

Product management

Cross-functional leadership

Prioritization

Data-driven decisions

SQL querying

Algorithms & data structures

LMS knowledge

Underwriting & servicing Ops

Customer-focused solutions

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

The Senior Product Manager of our Credit Line Platform will define and lead end-to-end discovery, solution design, and implementation of our Loan Management System (LMS) for credit line products including underwriting, payments, withdrawals, amortization, internal functions, and customer invoicing.

Qualifications

• 5+ years of product management experience, preferably in Loan Management Systems or loan servicing within fintech or a related field.
• Experience driving cross-functional teams, including engineering and operational teams, to deliver impactful products.
• Proven ability to manage and prioritize multiple initiatives in a fast-paced environment.
• Strong data-driven decision-making skills, including the ability to run SQL queries.
• Ability to define algorithms, data structures, and platform services.
• Familiarity with Loan Management Systems, underwriting, and servicing operations in both loan and line products.
• Demonstrated success in creating customer-first solutions while balancing security and operational efficiency.

$250,000 - $270,000 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