Global Collections Director

About the role

PayJoy is a Public Benefit Corporation that operates as a mission-first credit provider for under-served customers in emerging markets. The company has built patented technology for secured credit, offering point-of-sale financing and card products that help customers achieve financial stability and access a modern quality of life. Through machine learning, data science, and anti-fraud AI, PayJoy has served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth. The Global Collections Director will lead the collections strategy across all international markets, overseeing teams and processes that support the company's mission of providing financial access to underserved populations.

Key facts

What you'll do

Lead the global collections strategy across all emerging markets where PayJoy operates and serves customers

Manage and develop collections teams in multiple regions, coordinating across different time zones and cultures

Oversee the design and implementation of collection policies and procedures that align with the company's mission

Collaborate with the data science team to optimize collection outcomes using machine learning models and predictive analytics

Work with the anti-fraud AI systems to identify and mitigate risk throughout the collections process

Ensure compliance with local regulations and industry standards in every market where PayJoy has a presence

Partner with the point-of-sale financing team to align collection strategies with customer acquisition and retention goals

Monitor key performance indicators and report on collections metrics to senior leadership on a regular basis

Drive innovation in collection methodologies to improve customer outcomes and recovery rates across all regions

Develop and maintain relationships with external partners and stakeholders in emerging markets around the world

Champion PayJoy's public benefit mission within all collections operations and customer-facing interactions

Lead cross-functional initiatives to integrate collections data with broader business intelligence and reporting efforts

Requirements

Extensive experience leading collections operations in a global or multi-market environment with distributed teams

Deep understanding of credit and lending products designed for under-served customers in emerging markets

Proven track record of managing large teams across multiple regions, time zones, and cultural contexts

Strong knowledge of machine learning applications in financial services, particularly in credit risk and collections

Experience with point-of-sale financing or similar consumer credit products in a fast-growing company

Familiarity with anti-fraud systems and data science methodologies as applied to credit risk management

Demonstrated success in building and scaling collections processes from early stages to mature operations

Genuine commitment to mission-driven work serving under-served and underserved communities in developing markets

Nice to have

Experience working at a Public Benefit Corporation or mission-driven financial institution with a social impact focus

Knowledge of secured credit products and patent-protected technologies used in consumer lending

Background in serving large customer bases of over 18 million or managing operations at significant scale

Familiarity with emerging market regulatory environments across multiple continents and legal jurisdictions

Skills & tools

Collections management platforms and software for tracking and organizing global recovery efforts

Machine learning and predictive modeling tools for credit risk assessment and customer segmentation

Data science frameworks for analyzing customer repayment behavior and identifying trends

Anti-fraud AI systems and risk detection platforms used in consumer credit operations

Point-of-sale financing technology and payment processing systems common in emerging markets

Cross-cultural communication and team leadership skills for managing distributed global teams

Practical notes

This is a full-time position based in San Francisco, CA, requiring on-site presence at the office

PayJoy is a Public Benefit Corporation with a mission-first approach to credit and financial inclusion

The company has served over 18 million customers as of 2025 through its patented secured credit technology

Candidates should be prepared to coordinate with teams across multiple time zones given the global scope of the collections operation