Validation Support Representative

StartX; Johannesburg; On-site; ZAR 201,000 - 312,000; Full time

Benefits offered by this job

Private health insurance

Pension fund

Life and disability insurance

20 days vacation

Co-working travel perk

Professional development

Home office allowance

Wellness perks

Catered lunch

Phone finance

Headphone benefit

Job summary

PayJoy in Johannesburg is seeking a Fraud Prevention Representative to monitor real-time identity verification, assess suspicious sales, and collaborate across teams to minimize risk while maintaining customer trust.

You will analyse fraud vectors, report issues from dashboards, and support customers with empathy, while applying market-specific practices and staying compliant.

Qualifications

• Partially or completed studies in related fields such as Business Administration or Communications.
• Basic level of English required.
• Proficient with Microsoft Office tools (Word, Excel, PowerPoint).
• Experience in customer service or support, preferably in finance, for at least one year.
• Strong communication and teamwork abilities under pressure.

Responsibilities

• Real-time evaluation of identity documents and transcription of missing information for flagged sales.
• Prevent identity theft and other fraud vectors; report them accurately.
• Contribute to Finance Order originations by approving good sales and blocking bad ones.
• Report issues or bugs from dashboards or tools with urgency.
• Resolve customer disputes related to banking transactions, delivering empathetic support and conducting investigations to mitigate risk.

Skills

English (basic)

Microsoft Office

Education

Partially or completed studies in Business Administration / Communications

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

A successful candidate for the role of Fraud Prevention Representative should possess strong communication skills, enabling effective collaboration with his team and different teams across multiple countries. They must have a deep understanding of customer service/fraud prevention principles and the ability to analyze diverse fraud vectors and ensure to adapt to market-specific needs. The candidate should also demonstrate cultural sensitivity, problem-solving abilities, and the capability to receive and act on constructive feedback to drive continuous improvement and maintain high customer satisfaction levels.

Responsibilities

• Real time evaluation and transcript missing information from Identity Documents of suspicious sales flagged by automated tools.
• Prevent identity theft and other fraud vectors as well as report them accurately.
• Contribute to Finance Order originations by approving good sales and correctly blocking badsales.
• High sense of urgency by reporting issues or bugs derived from Dashboards or Tools.
• Manages and resolves customer disputes related to banking transactions, delivering timely and empathetic support in compliance with internal policies and regulatory requirements; proactively identifies and prevents potential fraud by detecting suspicious patterns, conducts in-depth investigations and root‑cause analysis, and collaborates with cross‑functional teams to ensure accurate resolution and continuous risk mitigation.

Requirements

• Partially or completed technical or university studies in related areas such as Business Administration, Communications, or similar fields.
• Basic level of English.
• Intermediate knowledge of Microsoft Office tools.
• Previous experience in customer service or support, preferably in sales or the financial sector, for at least one year.
• Effective communication skills, ability to work in a team, and handle difficult situations under pressure.

Benefits

• 100% Company Funded : Private Health Insurance for employee and immediate family
• Pension Fund
• Company‑funded employee life and disability insurance
• 20 days vacation, unlimited sick leave
• $2,000 USD annual Co‑working Travel perk
• $2,000 USD annual Professional Development perk
• Phone Finance, headphone benefit, home office equipment allowance and wellness perks
• Catered Lunch

#LI-JB1

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