Validation Support Representative

PayJoy; Johannesburg; On-site; ZAR 180,000 - 320,000; Full time

Benefits offered by this job

Health insurance

Pension fund

Life and disability insurance

Paid vacation

Co-working travel perk

Professional development perk

Home office equipment allowance

Wellness perks

Catered lunch

Job summary

PayJoy is seeking a Fraud Prevention Representative to join our team in Johannesburg. You will use real-time risk evaluation and conversation with customers to prevent identity theft and other fraud vectors while supporting legitimate sales.

The role requires strong communication, teamwork across multiple countries, and the ability to analyze diverse fraud patterns and adapt to market-specific needs. You will investigate issues with dashboards and tools to drive risk mitigation.

Qualifications

• Experience in customer service or support, preferably in financial services.
• Good communication skills and teamwork abilities.
• Basic English language proficiency.
• Intermediate knowledge of Microsoft Office tools.

Responsibilities

• Real-time evaluation of transactions and transcripts for missing information.
• Prevent identity theft and other fraud vectors and report them.
• Assist in order origination by approving good sales and blocking bad ones.
• Report issues or bugs from dashboards or tools promptly.
• Investigate and resolve customer disputes, contributing to risk mitigation cross-functionally.

Skills

Customer service

Teamwork

Effective communication

MS Office

English (basic)

Education

Business Administration or related field

Tools

MS Office

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 bad sales.
• 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

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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.