Merchant Operations Manager - Operational Excellence

About PayJoy

PayJoy 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 Operational Excellence expert plays a critical role in standardizing processes, improving
efficiency, and ensuring strategic alignment across projects. Its main functions include
governance, resource management, performance tracking, and continuous improvement,
supported by agile and project management methodologies and best practices.

Responsibilities:
• Lead the planning, execution, and governance of operational projects that impact merchant
experience and performance.

• Act as the primary liaison between Merchant Operations and internal teams, coordinating
resources to meet shared business objectives.

• Oversee merchant onboarding and ensure accurate, up-to-date partner data across systems to
support operational integrity.

• Design and implement scalable processes, driving continuous improvement and efficiency
across merchant workflows.

• Manage commission payments, promotions, and incentive programs in collaboration with
Finance and Accounting teams.

• Develop and monitor operational KPIs, providing actionable insights and executive-level
reporting.

• Ensure compliance, documentation, and consistency of administrative information related to
merchants.

• Champion cross-functional collaboration to align merchant operations with company-wide
strategic initiatives.

Qualifications:
• Bachelor's degree in Economics, Engineering, Management, Finance, or a related field.

• 3-5 years of relevant experience in operations, with hybrid project management skills

• Analytical skills with a data-driven approach.

• Desirable previous experience in technology, mobile products, or the consulting industry.

• Previous proven experience improving operational efficiency.

• Previous experience launching apps and physical products.

• Proven experience in a fast-paced environment and working with a scalability mindset.

• Self-driven and results-driven.

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