Product Manager - Money 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

The person in this position will lead the definition and launch of software products that enable PayJoy to scale its internal financial systems globally. As a Product Manager, they will have the ultimate responsibility for achieving this mission, with the support and authority to do so. They will connect and direct the engineering team and other PayJoyers worldwide. As the link between technical and business aspects, your days will be diverse, from collaborating with accounting and operations teams to working with designers and engineering squads. Their success will hinge on your leadership during setbacks.

Key responsibilities

Product Strategy & Roadmap

• Lead the development of PayJoy’s internal financial products to support global expansion: including Cash Reconciliation, Merchant Settlement Processing, Bank Transaction Matching, and Loan Reconciliation


• Build and maintain a roadmap for PayJoy’s Financial Infrastructure, continuously prioritizing improvements that reduce manual intervention and increase automation across all markets


• Own the product vision for reaching and sustaining automated identification of cash flows across all operating countries

Stakeholder Management

• Act as the primary product liaison between Engineering, Operations, Finance, Accounting, and local country teams — ensuring all parties are aligned on priorities, timelines, and trade-offs


• Run structured prioritization sessions with stakeholders, balancing urgent operational requests against longer-term automation investments


• Identify patterns in recurring manual work requests and drive root-cause fixes rather than one-off patches, translating PayJoy’s operational pain points into well-scoped engineering solutions and long-term product improvements


• Communicate product decisions, scope changes, and release timelines clearly and proactively to non-technical stakeholders

Execution & Delivery

• Manage product launches working closely with engineers, FinOps, and technical staff — creating plans and tracking release milestones against clear acceptance criteria


• Assess the quality of releases through monitoring of incoming issues; identify quality trends and drive resolutions before they surface within teams


• Drive measurable reduction in manual reconciliation tasks handled by the FinOps team, tracking automation rate as a core product metric


• Prioritize features that catch upstream failures proactively — data freshness monitoring, mapping completeness alerts, and incident escalation paths

Qualifications

• Bachelor’s degree in Business, Finance, or a related field. MBA or equivalent advanced degree is a plus.


• 5+ years of experience as a software Product Manager.


• 3+ years of experience launching or implementing internal Financial software (reconciliation, settlement, accounting, or treasury systems).


• Fluent with data: facility with writing SQL and reviewing data models and pipeline outputs.


• Strong analytical, problem-solving, and decision-making skills.


• Track record of leading cross-functional teams.


• Excellent communication and interpersonal abilities, with a knack for collaborating with diverse teams including non-technical finance and operations staff.


• 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