---
title: 'Product Manager - Lock Platform at PayJoy'
canonical: 'https://feeny.ai/job/product-manager-lock-platform-payjoy-san-francisco-eby6awtybywj'
type: 'job'
last_seen: '2026-09-07'
---

# Product Manager - Lock Platform at PayJoy

- **Company:** PayJoy
- **Location:** San Francisco, CA
- **Compensation:** $250k–$270k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-13
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.lever.co/payjoy/4fb8781e-413f-487c-a0a0-23466ed3c834

## 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

Job Summary PayJoy Lock is the core moat of PayJoy's business, a proprietary security stack running across the world's largest emerging market device fleet.

As PM for Lock Platform, you will own the programs that keep that moat strong and expanding. You will combine deep technical fluency with strategic clarity to drive lock security, reliability, and device compatibility programs across multiple markets.

This is a key Individual Contributor role reporting to the Lock Platform Lead. You will work alongside a team of engineers helping to increase PayJoy's lock strength, expand device selection, and reduce fraud and accidental locking across multiple emerging markets.

This role is based in our San Francisco office. We are an in-person team and expect this role to be in office

## Key Responsibilities

Execution & Delivery

Own end-to-end delivery of lock platform initiatives — from problem definition through launch, post-launch iteration, and ongoing operational ownership. Drive lock security initiatives including OTA enforcement, device vulnerability reduction, and the systems that give leadership real-time visibility into platform health. Lead the lock reliability program — own the framework that prevents accidental locking incidents and ensures policy compliance across every new feature shipped. Own device compatibility programs — track where PayJoy has gaps, launch new locking technology to close them, and ensure every device PayJoy finances meets the security bar. Support new market and country launches — own the lock readiness checklist and ensure no new market goes live without meeting the bar. Cross-Functional Leadership

Manage cross-functional execution with engineering, GTM, legal, OEM partners, and field teams — with proactive communication and clear ownership of timelines and deliverables. Represent the lock platform in cross-functional forums Review and synthesize competitive intelligence from field analysts and in-market research to inform roadmap decisions. Communicate progress proactively to leadership — status, risks, and decisions surface. Required Skills & Qualifications

8+ years as a Product Manager with a track record of owning technically complex programs end-to-end — PRD through launch through post-launch iteration — without hand-holding. Technical fluency on Android or mobile platforms — able to engage directly with engineers on implementation details, debug issues, and make informed tradeoff decisions. Independently frames problems, proposes solutions with explicit tradeoffs, leads cross-functional execution, and surfaces risk proactively without being asked. Experience in mobile security, device management, OEM ecosystems, or adjacent technically complex domains. Strong analytical ability — can query data independently, build metrics frameworks, and own product health visibility..

## Preferred Skills & Qualifications

Experience with Android lock mechanisms, Knox, or device enrollment technologies. Familiarity with OTA update processes and OEM certification workflows. Experience launching products in or for emerging markets (LATAM, SEA, Africa). Hybrid PM/engineer background — comfortable reading code, reviewing PRs, contributing to technical specifications. SQL fluency or equivalent ability to self-serve product insights from data. Fluency in Spanish or Portuguese.

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)

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