PayJoy
payjoy.com
Actively hiring
Buy Now, Pay Later
Consumer Loans & Pawnshops
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Overview
News
Technologies
Salaries
Products
People
Growth
Offices
Jobs
Financials
How PayJoy hires
Truth index
B 78/100
Median time to fill
61 days
Ghost roles
0%
Stale roles
67%
Reposted roles
0%
PayJoy scores B on the Alion truth index (A is best, E worst), measured over 12 open roles re-checked against its own hiring board: 0% look like ghost listings, 67% have gone stale and 0% are the same role posted again. Its roles close in a median of 61 days. It measures how much of what this employer publishes turns into a real, finite search - not the employer as a workplace. How the index is computed
Visa sponsorship
- United States · H-1B filings in 12 months: 2 · green card filings: 3
Overview
PayJoy is a financial technology company that lets people in emerging markets buy smartphones on credit, using device-locking technology as security and building a credit history for customers who have none. It operates in Mexico, Colombia, Indonesia, India, South Africa and other markets through retail partners and also offers cash loans to customers with a repayment record. Founded in 2015, the company is headquartered in San Francisco, California, United States.
News
PayJoy Loaned $3.5 Billion To The Unbanked Via Secured Credit
PayJoy's Doug Ricket has loaned $3.5 billion to 20 million underbanked customers across Mexico, Brazil and India by turning the smartphone into loan collateral.
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Report
CNBC Names PayJoy one of the World
/PRNewswire/ -- CNBC and Statista have named PayJoy to the "World
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PayJoy Names Iván Canales Chief Revenue Officer as It Enters Its Next Phase of Scale
/PRNewswire/ -- PayJoy, a leading financial services provider in emerging markets, today announced the appointment of Iván Canales as Chief Revenue Officer. In...
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Report
PayJoy Named Consumer BNPL Platform of the Year by FinTech Breakthrough
/PRNewswire/ -- PayJoy, a leading financial services provider for underserved consumers across emerging markets, has won the "Consumer BNPL Platform of the...
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Report
PayJoy Secures $140 Million Debt Facility from Neuberger Berman Funds to Accelerate Global Expansion
/PRNewswire/ -- PayJoy, a leading emerging markets credit provider, has announced a $140 million corporate debt facility with funds managed by Neuberger,...
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Report
PayJoy Marks 10 Years and 15 Million Customers: Focused on Expanding Responsible Financing in Emerging Markets
PayJoy, a Public Benefit Corporation focused on bringing responsible financing to underserved customers in emerging markets, is marking its 10th year of operations. Since 2015, the company has served over 15 million customers and is on track to reach $650
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Report
PayJoy Marks 10 Years and 15 Million Customers: Focused on Expanding Responsible Financing in Emerging Markets
/PRNewswire/ -- PayJoy, a Public Benefit Corporation focused on bringing responsible financing to underserved customers in emerging markets, is marking its...
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Report
PayJoy Powers Progress: Smartphone Finance Unlocks Credit Access for 13 Million
Ethical lending ensures greater financial stability for millions of underserved around the world
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Tech stack
Technologies named in job postings at PayJoy over the last 12 months, by layer, with the share of postings for each.
Technologies in use
74
Postings analysed
69
Stack modernity
77/100AI adopter
Languages
SQL57%
Python39%
JavaScript12%
PHP12%
Frameworks & libraries
Vue.js10%
Django6%
Flask1%
Laravel1%
Databases
MySQL6%
Snowflake6%
BigQuery4%
Google BigQuery4%
Cloud & platforms
AWS16%
GCP10%
Azure7%
Kubernetes7%
AI & ML
LLM4%
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Full PayJoy tech stack
74 technologies · by team · pay by technology · changes · similar stacks
Salary insights
Compensation ranges based on this company's open jobs
Median
$290k
Typical range
$270k – $324k
Open positions
7
7
Jobs
Senior
42.9%
Staff
28.6%
Principal
14.3%
Architect
14.3%
| Level | Jobs | Median | Typical range |
|---|---|---|---|
| Senior | 3 | $275k | $270k – $290k |
| Staff | 2 | $297k | $270k – $324k |
| Principal | 1 | $320k | $320k |
| Architect | 1 | $321k | $321k |
Highest paying role
Staff Software Engineer - Payments
$324k
Normalized to USD per year
All salaries at PayJoy
By role, level and city, against the market · 7 jobs with pay
People
Douglas Ricket
Executive Officer, Director
John Buttrick
Director
Josh McFarland
Director
Todd Schell
Director
Names and roles come from public filings, company registers and the company's own site. Is this you? Correct or remove · How we handle this data
Growth
Hiring Momentum
69/100
Growing
Open positions
67
7 opened / 11 closed in 30 days
Median time-to-fill
60 days
faster than 22% of the market
ATS activity
Every ~4 hours
Today
Hiring Dynamics
+100%
Hiring Focus
The percentage next to each role is its share of the company's job openings over the last 90 days; the arrow shows the shift versus the previous period.
Sales
18% ▲
Analytics
14% ▲
Finance
8%
Management
8% ▼
Backend
6% ▼
Product
6%
Actively hiring for Industrial Engineering (+6 in 30 days)
Activity Timeline
New location: Florianópolis
Oct 2026
New location: Porto Alegre
Oct 2026
New location: Lima
Oct 2026
Added SLI/SLO/SLA to stack
Oct 2026
Added TypeScript to stack
Oct 2026
Added C# to stack
Oct 2026
Added Windows to stack
Oct 2026
Added Linux to stack
Oct 2026
New location: Cali
Sep 2026
Added Figma to stack
Sep 2026
Added Microsoft Office to stack
Sep 2026
Added OWASP to stack
Sep 2026
Offices
Where the company hires and what each office is for
Cities
18
Hiring now
14
Countries
12
Busiest office
San Francisco
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Headquarters
Builds here
Office with open vacancies
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San Francisco
United States
HQ
United States
6 open roles 10 posted in 90 days 17% engineering 200-500 est. staff $299k Avg Salary
hires for Product, Leadership, Backend
PayJoy, Inc.: 660 4th Street, Unit 139 San Francisco, CA 94107
Mexico City
Mexico
Plant / site
24 open roles 30 posted in 90 days 38% engineering 500-1000 est. staff
hires for Analytics, Backend, Product
Bogotá
Colombia
Plant / site
Colombia
12 open roles 11 posted in 90 days 67% engineering 200-500 est. staff
hires for Backend, Analytics, Leadership
Calle 90 # 12 - 28, Bogotá
Jakarta
Indonesia
Sales office
Indonesia
10 open roles 11 posted in 90 days 200-500 est. staff
hires for Sales, Administrative, Management
PayJoy, WeWork Revenue Tower, Scbd, Jl. Jend. Sudirman No.52-53, Senayan, Kebayoran Baru, Jakarta, 12190
Taguig
Philippines
Regional office
6 open roles 10 posted in 90 days 200-500 est. staff
hires for Sales, Industrial Engineering, Administrative
Quito
Ecuador
Regional office
5 open roles 7 posted in 90 days 40% engineering 50-200 est. staff
hires for DevOps, Analytics, Finance
Panama
Panama
Regional office
5 open roles 4 posted in 90 days 40% engineering 50-200 est. staff
hires for Industrial Engineering, DevOps, Analytics
São Paulo
Brazil
Regional office
4 open roles 6 posted in 90 days 50% engineering 50-200 est. staff
hires for Analytics, Management, Sales
Lima
Peru
Regional office
3 open roles 2 posted in 90 days 67% engineering 50-200 est. staff
hires for DevOps, Analytics, Industrial Engineering
Johannesburg
South Africa
Regional office
South Africa
2 open roles 4 posted in 90 days 50-200 est. staff
hires for Finance, Sales
Corner Winnie Mandela Drive &, Winifred Mandela Precinct, Wedgewood Link Rd, Bryanston, Johannesburg, 2191
Bengaluru
India
Regional office
India
1 open roles 1 posted in 90 days 100% engineering 10-50 est. staff
hires for Analytics
Bengaluru, Karnataka - 560025
Puerto Princesa
Philippines
1 open roles 10-50 est. staff
hires for Sales
Cali
Colombia
1 open roles 1 posted in 90 days 10-50 est. staff
hires for Field & Service
Loja
Ecuador
1 open roles 1 posted in 90 days 10-50 est. staff
hires for Sales
Shenzhen
China
Regional office
China
10-50 est. staff
44F, Tower A, NEO Building, 6011 Shennan Avenue, Futian District, Shenzhen, 518048
Metro
Indonesia
Regional office
Philippines
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.
Winthrop
United States
Regional office
Panama
Clayton, Ciudad del Saber, calle Winthrop, edificio 240, piso 2 oficina C
Earlier presence
Curitiba, Brazil
Cartagena, Colombia
Cebu City, Philippines
Porto Alegre, Brazil
Florianópolis, Brazil
Jobs
Apply
$268k – $275k per year • Hybrid • Full-Time • 5+ years exp • Bachelor's Degree • United States
PHP
Laravel
Databases
RabbitMQ
Apache Kafka
Mobile
Twilio
DevOps
GCP
Datadog
Git
AWS
Kubernetes
Management
WhatsApp
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Hybrid • Full-Time • Mexico City
Python
SQL
Snowflake
Databricks
Analytics
A/B Testing
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≈ $93k – $268k per year (Estimated) • Hybrid • Full-Time • 12+ years exp • Bachelor's Degree • Bogotá
Python
PHP
Kotlin
SQL
Django
DevOps
CI/CD
AWS
Docker
Kubernetes
Platform Engineering
Incident Management
Management
Agile
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≈ $62k – $139k per year (Estimated) • Hybrid • 6+ years exp • Mexico City
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≈ $77k – $188k per year (Estimated) • Hybrid • 8+ years exp • Mexico City
SQL
Apply
≈ $50k – $123k per year (Estimated) • Hybrid • Full-Time • Mexico City • Bogotá
Figma
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≈ $44k – $101k per year (Estimated) • Hybrid • Full-Time • 10+ years exp • Bachelor's Degree • Mexico City • Bogotá
Apply
≈ $55k – $148k per year (Estimated) • Hybrid • Full-Time • Bogotá • Mexico City • Lima • Quito • Panama
Python
SQL
Snowflake
Apache Kafka
Google BigQuery
Amazon Redshift
BigQuery
AI/ML
dbt
DevOps
GCP
Azure
Git
AWS
Analytics
ETL/ELT
Dimensional Modeling
Apply
Hybrid • Full-Time • São Paulo
Python
Fine-tuning
Embeddings
Prompt Engineering
LLM
RAG
OpenAI
Anthropic
LLMOps
Machine Learning
DevOps
GCP
Azure
Git
AWS
Management
n8n
Zapier
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$300k – $321k per year • Hybrid • Full-Time • 8+ years exp • Master's Degree • San Francisco
Feature Store
Machine Learning
Analytics
ETL/ELT
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≈ $47k – $115k per year (Estimated) • Hybrid • Full-Time • 2+ years exp • Bachelor's Degree • Bogotá
Python
SQL
A/B Testing
Apply