Clicking Apply Now takes you to AutoApply where you can tailor your resume and apply.
Unlock Your Potential
Generate Job-Optimized Resume
One Click And Our AI Optimizes Your Resume to Match The Job Description.
Is Your Resume Optimized For This Role?
Find Out If You're Highlighting The Right Skills And Fix What's Missing
Experience Level
Senior Level Manager
Qualifications
Qualifications:Proven experience in credit risk management, preferably in a financial technology environment.Strong analytical skills with the ability to interpret complex data and make informed decisions.Experience in developing and implementing credit risk policies and frameworks.Excellent communication and leadership skills.Ability to work independently and take initiative in a fast-paced environment.
About the job
Join PayJoy as a Credit Risk Director
At PayJoy, we are driven by our mission to empower underserved customers in emerging markets to achieve financial stability. Our innovative technology for secured credit paves the way for new customers to access the credit system. With our point-of-sale financing and card offerings, we enhance our customers' quality of life, enabling them to embrace opportunities as micro-entrepreneurs and providing them with a safety net during challenging times. Leveraging state-of-the-art machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers as of 2025, all while ensuring sustainable profitability.
Your Role
We are seeking a visionary Credit Risk Director to establish and lead the credit risk function for PayJoy Indonesia. This pivotal leadership position involves shaping the credit risk strategy from inception, identifying key challenges, and taking personal responsibility for the portfolio's performance at the country level. As a prominent global FinTech company, we are enthusiastic about expanding our operations in Indonesia, where our mission of providing financial services to the next billion aligns seamlessly with local market needs.
Your journey will begin with hands-on initiatives — drafting policies, conducting analyses, and managing regulatory relationships. Once we achieve economic scale, you will have the opportunity to build and lead a dedicated team. The ideal candidate will possess both the technical expertise to analyze data and the strategic mindset to set the direction for a market. This role is uniquely designed for someone who thrives on creating and implementing effective strategies.
About PayJoy
PayJoy is a forward-thinking credit provider committed to offering financial solutions to underserved communities in emerging markets. Our innovative secured credit technology facilitates access to credit for new customers, enabling them to improve their quality of life and pursue entrepreneurial opportunities. Our success is underscored by our ability to serve millions while maintaining sustainable profitability.
Clicking Apply Now takes you to AutoApply where you can tailor your resume and apply.
Unlock Your Potential
Generate Job-Optimized Resume
One Click And Our AI Optimizes Your Resume to Match The Job Description.
Is Your Resume Optimized For This Role?
Find Out If You're Highlighting The Right Skills And Fix What's Missing
Experience Level
Senior Level Manager
Qualifications
Qualifications:Proven experience in credit risk management, preferably in a financial technology environment.Strong analytical skills with the ability to interpret complex data and make informed decisions.Experience in developing and implementing credit risk policies and frameworks.Excellent communication and leadership skills.Ability to work independently and take initiative in a fast-paced environment.
About the job
Join PayJoy as a Credit Risk Director
At PayJoy, we are driven by our mission to empower underserved customers in emerging markets to achieve financial stability. Our innovative technology for secured credit paves the way for new customers to access the credit system. With our point-of-sale financing and card offerings, we enhance our customers' quality of life, enabling them to embrace opportunities as micro-entrepreneurs and providing them with a safety net during challenging times. Leveraging state-of-the-art machine learning, data science, and anti-fraud AI, we have positively impacted over 18 million customers as of 2025, all while ensuring sustainable profitability.
Your Role
We are seeking a visionary Credit Risk Director to establish and lead the credit risk function for PayJoy Indonesia. This pivotal leadership position involves shaping the credit risk strategy from inception, identifying key challenges, and taking personal responsibility for the portfolio's performance at the country level. As a prominent global FinTech company, we are enthusiastic about expanding our operations in Indonesia, where our mission of providing financial services to the next billion aligns seamlessly with local market needs.
Your journey will begin with hands-on initiatives — drafting policies, conducting analyses, and managing regulatory relationships. Once we achieve economic scale, you will have the opportunity to build and lead a dedicated team. The ideal candidate will possess both the technical expertise to analyze data and the strategic mindset to set the direction for a market. This role is uniquely designed for someone who thrives on creating and implementing effective strategies.
About PayJoy
PayJoy is a forward-thinking credit provider committed to offering financial solutions to underserved communities in emerging markets. Our innovative secured credit technology facilitates access to credit for new customers, enabling them to improve their quality of life and pursue entrepreneurial opportunities. Our success is underscored by our ability to serve millions while maintaining sustainable profitability.