Senior Product Manager (Fraud)

PayJoy; United States; Remote; USD 80,000 - 120,000; Full time

Job summary

An innovative financial service provider is seeking a Senior Product Manager for the Fraud Team. This role is pivotal in shaping the strategy and execution of fraud prevention initiatives across global platforms. The ideal candidate will leverage their expertise in fraud risk management and data analytics to implement cutting-edge solutions that minimize losses while enhancing user experience. Join a mission-driven company that values financial inclusion and is committed to providing the best tools to combat fraud. If you thrive in a fast-paced, collaborative environment and are passionate about making a difference, this is the opportunity for you.

Benefits

100% Company-funded Health and Dental Insurance

Phone Finance

Headphone

Home Office Equipment

Fitness Perks

$2,000 Annual Co-working Travel Perk

$2,000 Annual Professional Development Perk

Qualifications

• 5+ years in product management with a focus on fraud or risk management.
• Strong data-driven decision-making skills and ability to run SQL queries.

Responsibilities

• Create a roadmap to improve fraud prevention and detection initiatives.
• Collaborate with engineering and data teams to deliver impactful solutions.

Skills

Fraud Risk Management

Data Analytics

SQL Queries

Problem-Solving

Cross-Functional Team Leadership

Education

Bachelor's Degree

Experience in Fintech or Related Field

Tools

Fraud Detection Technologies

Behavioral Analytics

Machine Learning Solutions

Job description

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 Senior Product Manager for the Fraud Team will define and lead the strategy, roadmap, and execution of fraud prevention and detection initiatives across PayJoy’s global platforms. This role will focus on implementing innovative tools and techniques to reduce fraud losses while maintaining a seamless experience for our users. The ideal candidate will also collaborate with engineering, risk, and data science teams to build scalable fraud solutions.

The successful candidate will bring expertise in fraud risk management, data analytics, and a passion for financial inclusion. Strong problem-solving skills and the ability to work in a fast-paced, cross-functional environment will be essential.

Responsibilities

• Create a roadmap to continuously improve PayJoy’s fraud prevention platform with goals to:
• Reduce fraud losses and operational inefficiencies.
• Enhance fraud detection with cutting-edge models and rules while minimizing false positives.
• Streamline customer experience through frictionless fraud mitigation solutions.
• Lead the end-to-end product lifecycle from ideation, requirements gathering, development, testing, and iteration, to full-scale implementation.
• Work closely with engineering, fraud operations, and data science teams to deliver high-quality solutions that balance security and user experience.
• Analyze and leverage data (ability to write and interpret SQL queries) to refine fraud prevention mechanisms.
• Stay informed about emerging fraud trends, regulatory requirements, and industry technologies to maintain a state-of-the-art fraud platform.
• Collaborate with internal teams to implement KPIs and monitoring systems to track fraud metrics and solution efficacy.

Requirements

• 5+ years of product management experience, preferably in fraud or risk management within fintech or a related field.
• Experience driving cross-functional teams, including engineering and data science, 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.
• Familiarity with fraud detection technologies, including behavioral analytics, device intelligence, and machine learning solutions.
• Demonstrated success in creating customer-first solutions while balancing security and operational efficiency.

Desirable Qualifications

• Experience in high-growth startups.
• Familiarity with fraud prevention tools and vendors (e.g., Sift, Arkose Labs, or equivalent).
• Knowledge of compliance regulations related to fraud (e.g., AML, KYC).
• Fluency in Spanish.

Benefits

• *Local benefits will depend on the country of hiring*
• 100% Company-funded Health and Dental insurance for employees and immediate family members.
• 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