---
title: 'CRO - Digital Experience Manager at PayJoy'
canonical: 'https://feeny.ai/job/cro-digital-experience-manager-payjoy-bogota-x4m970dvqsc3'
type: 'job'
last_seen: '2026-11-07'
---

# CRO - Digital Experience Manager at PayJoy

- **Company:** PayJoy
- **Location:** Bogotá, Colombia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-25
- **Last confirmed live:** 2026-11-07
- **Apply:** https://jobs.lever.co/payjoy/d39380ae-779e-4513-905a-dbe4618d3245

## Job description

## 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

PayJoy customers. You’ll combine customer behavior, analytics, experimentation, and UX insights to identify opportunities and create digital experiences that are more relevant, intuitive, and high-converting. You’ll define the experimentation strategy and roadmap, build segmentation and personalization strategies, and turn data into actionable improvements across the customer journey. This is a highly cross-functional role where you’ll partner with Marketing, Product, Engineering, Analytics, and other global teams to turn insights into measurable business impact. This is an opportunity to play a key role in shaping the digital experience for millions of customers across our markets while building a strong, data-driven culture of continuous optimization

## Key responsibilities

- Own a deep understanding of the D2C customer funnel, identifying where and why customers drop off throughout the digital purchase journey.
- Combine quantitative and qualitative insights, including funnel and cohort analysis, clickstream data, behavioral analytics, session recordings, heatmaps, surveys, and customer feedback.
- Translate customer and performance insights into a prioritized CRO and UX optimization roadmap.
- Build and manage a prioritized experimentation backlog based on expected impact, customer value, and effort.
- Design and execute rigorous A/B and multivariate experiments, defining clear hypotheses, success criteria, sample sizes, and guardrail metrics.
- Analyze experiment results using statistical rigor and translate findings into clear business recommendations.
- Develop customer segmentation and personalization strategies based on signals such as behavior, traffic source, intent, device, credit profile, and lifecycle stage.
- Validate the incremental impact of personalization and optimization initiatives through controlled experimentation.
- Partner closely with Marketing, Product, Engineering, Analytics, and other global stakeholders to turn insights into tangible improvements.
- Establish and continuously improve frameworks for experimentation, measurement, prioritization, and reporting.
- Identify opportunities to improve the customer experience while balancing speed, business impact, and data-driven decision-making.

## Qualifications

- 5–7 years of relevant professional experience, ideally in CRO, digital experience, growth, digital analytics, UX optimization, or D2C/e-commerce.
- Strong understanding of Conversion Rate Optimization (CRO) and UX principles.
- Proven experience diagnosing funnel performance, identifying friction points, and translating data into actionable hypotheses and recommendations.
- Hands-on experience with A/B and multivariate testing, including experiment design, statistical significance, and interpretation of results.
- Experience developing segmentation and personalization strategies and measuring their incremental impact.
- Familiarity with web analytics and behavioral tools such as PostHog, Hotjar, or similar platforms.
- Experience with experimentation platforms such as Convert, VWO, Optimizely, or similar tools.
- Background in retail, D2C, e-commerce, or other digital-first environments.
- Strong analytical and problem-solving skills, with the ability to move from data to insights and from insights to action.
- SQL skills are strongly preferred.
- Excellent written and verbal communication skills, with the ability to influence and collaborate with stakeholders across different functions and geographies.
- Highly organized and comfortable managing multiple initiatives and stakeholders simultaneously.
- Self-driven, results-oriented, and comfortable operating in a fast-paced, dynamic, and constantly evolving environment.
- Advanced English and fluency in the local language.

## Benefits

- Local benefits depending on the country of hire
- Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- Paid vacation days, unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone finance, headphone benefit, home office equipment allowance and wellness perks
- Catered lunches

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

## About PayJoy

## Company Overview
- **One-liner**: PayJoy provides secured phone financing and cash loans to underserved customers in emerging markets, using patented technology to enable credit access without a bank account or credit history.
- **Entity Type**: Private (Public Benefit Corporation) – Total funding $635.6M across 14 rounds.
- **Headquarters**: San Francisco, California, United States (with regional hubs in Africa, Asia, and Latin America)
- **Founded**: 2015
- **Founders**: Doug Ricket

## Core Business
- **Primary industry**: Financial Services (Fintech – secured consumer credit)
- **Target customers**: B2C (underbanked individuals in emerging markets) and B2B (retailers offering point-of-sale financing)
- **Mission**: Bring financial access to emerging markets, helping customers achieve financial stability and success. As a Public Benefit Corporation, PayJoy is legally committed to customer financial well‑being.

## Products & Services
- **Phone Financing**: Pay‑as‑you‑go smartphone financing with no accruing interest, fixed transparent pricing, and no late fees. Customers need only an ID – no bank account or credit history required.
- **Cash Loans**: Credit offerings for micro‑entrepreneurs and as insurance for tough times, with flexible payments and no penalty for being behind.

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metric**: Annual revenue of $320M (LinkedIn estimate); Total funding $635.6M
- **Notable Investors/Partners**: Not explicitly listed in provided sources, but the company has raised 14 funding rounds and operates in 9 countries across 3 continents.
- **Growth Signals**: 20M+ customers served, nearly $4B lent, 909 employees (+46.4% YoY), carbon neutral since 2022, active in 9 countries (including Mexico, Brazil, Peru, South Africa, India).

## Competitive Advantages
- Patented secured‑credit technology that enables lending without traditional credit history.
- No accruing interest, no late fees, and no penalty for missed payments – differentiates from predatory lenders.
- Public Benefit Corporation status legally commits the company to customer financial well‑being.
- Advanced machine learning, data science, and anti‑fraud AI for credit scoring.
- Deep operational presence on the ground in multiple emerging markets.

## Strategic Focus
- Scale global impact by expanding into new countries and deepening existing markets.
- Use data and AI to improve credit access and financial inclusion.
- Maintain transparent, customer‑first lending practices while achieving profitability.
- Continue hiring across engineering, data science, sales, and operations roles.

## Why Work Here
- **Mission‑driven**: Work on products that directly improve financial well‑being for millions of underserved people.
- **Culture**: Emphasizes transparency, directness, focus on scale, work‑life balance, and diversity. Employees rate culture 4.4/5 on LinkedIn.
- **Remote/Hybrid**: Global team with offices in San Francisco, Mexico City, and regional hubs; many roles appear location‑specific (e.g., Mexico City, São José).
- **Benefits**: Market‑competitive compensation, health & wellness benefits, parental leave, professional development funds, paid time off.
- **Growth**: Rapidly growing company (46% headcount growth YoY) with opportunities to shape products and services from day one.

## Sources
1. [PayJoy Careers Page](https://www.payjoy.com/careers)
2. [PayJoy About Page](https://www.payjoy.com/about)
3. [PayJoy Homepage](https://www.payjoy.com/)
4. [PayJoy Jobs on Lever](https://jobs.lever.co/payjoy/)
5. [PayJoy LinkedIn Company Page](https://www.linkedin.com/company/payjoy)

## Other roles at PayJoy

- [Sr. Marketing Mananger](https://feeny.ai/job/sr-marketing-mananger-payjoy-bogota-spwz4x5vty76) — Bogotá, Colombia
- [Representante de ventas - Medellín](https://feeny.ai/job/representante-de-ventas-medellin-payjoy-medellin-khbd9z51dtce) — Medellín, Colombia
- [Associate Quality Audit Analyst](https://feeny.ai/job/associate-quality-audit-analyst-payjoy-bogota-qwmtwaskdeva) — Bogotá, Colombia
- [Field Sales Manager](https://feeny.ai/job/field-sales-manager-payjoy-bengaluru-abz58ekkxvgw) — Bengaluru, India
- [Junior IT Specialist](https://feeny.ai/job/junior-it-specialist-payjoy-san-francisco-afcmwarbm3ss) — San Francisco, CA
- [Clerk Support Representative](https://feeny.ai/job/clerk-support-representative-payjoy-mexico-city-tqkn32rds5sc) — Mexico City, Mexico
- [Clerk Support Supervisor](https://feeny.ai/job/clerk-support-supervisor-payjoy-colombia-pefz8yqbcyjd) — Colombia
- [Key Account Lead](https://feeny.ai/job/key-account-lead-payjoy-peru-n5n388m23cpq) — Peru
- [Senior Manager, People Operations](https://feeny.ai/job/senior-manager-people-operations-payjoy-mexico-city-p8tdzsqc5e5z) — Mexico City, Mexico
- [CRM Analyst | Zoho](https://feeny.ai/job/crm-analyst-zoho-payjoy-mexico-city-9e4d94b1j6vz) — Mexico City, Mexico