Director of Product Management, Onboarding

About Pay. Joy Pay. Joy, 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 Pay.

Joy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. Pay. Joy’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 As Director of Product Management, Onboarding, you will lead a team of four product managers responsible for one of the most critical parts of Pay. Joy's business: the journey that brings customers to originate a loan. You will own the vision for the end-to-end onboarding experience across both digital and in-store channels, with digital as an increasingly important focus for the team.

As Pay. Joy expands, you will play a key role in launching new countries, guiding the strategic decisions of where to build global, scalable solutions versus where to localize for specific markets. Your teams will span: Application — Optimizing for a fast, transparent digital application that adheres to local regulation in every market we serve.

Direct-to-Consumer — Building fully digital acquisition journeys that don't begin in a physical store, a fast-growing channel for Pay. Joy. Enterprise — Building digital solutions that empower our partners to onboard more customers with Pay. Joy, turning those relationships into a powerful engine for growth. Offers/Risk — Refining how offers are presented and bringing in new data sources that let us underwrite customers who are newer to credit or have thinner credit histories.