Fraud Operations Director

Posted:
4/23/2026, 8:42:20 AM

Location(s):
Mexico City, Mexico ⋅ São Paulo, Brazil ⋅ Bogota, Capital District, Colombia ⋅ Bogota, Bogota, Capital District, Colombia ⋅ Lima, Peru ⋅ Lima, Lima, Peru

Experience Level(s):
Senior

Field(s):
Data & Analytics ⋅ Operations & Logistics

Workplace Type:
Hybrid

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

We are looking for an experienced, strategic, and hands-on leader to own PayJoy's global fraud operations function. You will lead a team of 20+ fraud operations analysts across 10 countries and will be responsible for both the strategy and day-to-day execution of fraud prevention across our consumer and SME products.

This is a rare opportunity to build a world-class fraud function from the ground up in one of the most dynamic and complex fraud environments in the world — serving populations that traditional financial institutions have left behind, through both physical retail and digital channels.

You will partner closely with Product, Engineering, Data Science, Compliance, and regional General Managers to ensure fraud operations scales with PayJoy's global growth.

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.


Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

PayJoy

Website: http://www.payjoy.com/

Headquarter Location: San Francisco, California, United States

Employee Count: 1001-5000

Year Founded: 2015

IPO Status: Private

Last Funding Type: Debt Financing

Industries: Credit ⋅ Emerging Markets ⋅ Financial Services ⋅ FinTech ⋅ Mobile