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Director, Fraud Strategy

PayJoy · Bogotá, Bogotá D.C.

Hybrid
Full-time
Exec
Financial Products

Posted November 6, 2026

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AI Summary

PayJoy is seeking a Director of Fraud Strategy to define and scale anti-fraud strategies for its consumer direct credit card and merchant-distributed financing in emerging markets. The role balances fraud prevention against customer conversion, builds automated and scalable fraud strategies, and leads a team of fraud analysts while partnering with Sales and Lock Engineering.

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

The Fraud Strategy Director will join PayJoy’s Financial Product team (Risk Strategy, Data Science, Data Analytics, Fraud Strategy and Fraud Ops). You will be responsible for defining and implementing strategies and processes that optimize the tradeoff between good customer conversion and fraud reduction in PayJoy’s point of sale credit card products. This role will work in close collaboration with credit strategy, product, engineering, data science, sales and operations. Successful candidates will define anti-fraud strategies for PayJoy’s merchant-distributed and direct to consumer channels, be deeply quantitative and possess a balanced view of anti-fraud and conversion where economic outcome is the northstar. PayJoy is committed to the goal of building a dynamic, diverse team, and strongly encourages applications from women and minorities.

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