Senior Product Manager - Cash Reconciliation

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

We are seeking a strategic, data-driven, and highly collaborative Senior Product Manager to lead the product for the Money Reconciliation team. You will define and launch the software products that enable PayJoy to scale its internal financial systems globally, bridging business strategy, user experience, and technology to build impactful, scalable products.

Your mission is to get us away from spreadsheets. You will replace manual reconciliation processes with reliable, auditable, automated systems that give our finance teams accurate, real-time visibility into every dollar moving through the business. You should be comfortable working with engineering to validate the correctness of these implementations.

You will own the multi-year product roadmap, align stakeholders, and lead cross-functional teams. As the link between technical and business needs, your days will be diverse, from collaborating with accounting and leadership to working with operations and engineering squads. Your success will depend on your leadership through setbacks.

The ideal candidate is an expert problem-solver who thrives in ambiguity, is highly curious about technology and finance, and has a track record in both.

Key Responsabilities:

• Lead the development of PayJoy’s Internal financial products to support PayJoy’s global expansion (e.g. Loan Management, Cash Flow Reconciliation and Merchant Operations)
  Lead stakeholder discovery efforts through interviews, research, and data analysis to uncover deep operational friction points and validate high ROI opportunities
  Author comprehensive Product Requirement Documents (PRDs) and turn complex problem sets into actionable technical specs and user stories for engineering
  Proactively assess risks, hurdles, and pain points across PayJoy’s financial infrastructure, such as manual processes, data integrity gaps, and scalability constraints, defining mitigation plans before they impact the business
  Thoughtfully prioritize projects and trade-offs setting deliverable expectations across multiple stakeholders
  Manage product launches, aligning closely with PayJoy’s teams of engineers, finance, operations, and technical staff to create plans and track release milestones
  Assess the quality of releases through monitoring of incoming issues to identify quality issues and trends
  Establish product success metrics to measure the impact of your launches and advocate for resources commensurate with impact
  Build a 2-3 year roadmap for the future of PayJoy’s Financial Infrastructure software that aligns with long-term company goals and drives measurable KPIs

Qualitifications:

• Bachelor’s degree in Business, Finance, or a related field; MBA or equivalent advanced degree is a plus
  7+ years of dedicated Product Management experience, with at least 3 years launching or implementing internal financial software
  Fluent with data: proficient in writing SQL and reviewing data models
  Proficient in using AI tools such as Claude to speed up product discovery and analyze data, with a strong instinct for where AI can automate manual financial workflows
  Strong analytical, quantitative problem-solving, and decision-making skills
  Comfortable collaborating deeply with engineers on system architectures, APIs, data models, and testing rigor
  Track record of leading cross-functional teams of highly talented individuals
  Exceptional communication and storytelling skills, with the ability to influence executives and build alignment around product trade-offs
  Fluent in English and Spanish, both written and spoken

Benefits:

• 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
  Life insurance.
  Phone finance, Headphone, home office equipment and wellness perks.
  30 days of Christmas bonus.
  20 days paid Vacation.
  50% Vacation premium.
  13% Saving funds.
  $2,000 MXN monthly grocery coupons.
  $2,000 USD annual Co-working Travel perk.
  $2,000 USD annual Professional Development perk

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