Senior Engineering Director - Consumer & Lock

Job description

About PayJoy PayJoy 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 As the Senior Director of Engineering – Consumer & Lock Platform, you will lead the engineering organization responsible for PayJoy’s direct-to-consumer mobile financial products, including Phone Finance, Credit Line, and future credit offerings. These applications are the primary interface between PayJoy and millions of customers worldwide — powering loan applications, device provisioning, payments, servicing, and ongoing credit engagement . The Consumer organization owns the full-sta...