Director of Product Management, Onboarding

As Director of Product Management, Onboarding, you will lead a team of four product managers responsible for one of the most critical parts of PayJoy's business: the journey that brings customers to originate a loan.

You will own the vision for the end-to-end onboarding experience across both digital and in-store channels, with digital as an increasingly important focus for the team. As PayJoy expands, you will play a key role in launching new countries, guiding the strategic decisions of where to build global, scalable solutions versus where to localize for specific markets.

Your teams will span:

• Application — Optimizing for a fast, transparent digital application that adheres to local regulation in every market we serve.

• Direct-to-Consumer — Building fully digital acquisition journeys that don't begin in a physical store, a fast-growing channel for PayJoy.

• Enterprise — Building digital solutions that empower our partners to onboard more customers with PayJoy, turning those relationships into a powerful engine for growth.

• Offers/Risk — Refining how offers are presented and bringing in new data sources that let us underwrite customers who are newer to credit or have thinner credit histories.

Responsibilities

Vision & strategy

• Define and drive the multi-year product strategy for PayJoy's onboarding experience.

• Capitalize on incoming customer demand by designing personalized, high-converting onboarding journeys across digital and in-store channels.

• Set the strategy for launching onboarding in new countries as PayJoy expands — deciding where to build global, scalable solutions versus where to localize for specific markets.

• Identify opportunities to extend onboarding beyond loan origination — including pre-qualification, cross-sell at the point of application, and reactivation of returning customers.

Team leadership & delivery

• Lead, coach, and grow a team of four product managers, setting a high quality bar and empowering them to own end-to-end delivery across their surfaces — from discovery and prioritization through launch and iteration.

• Set the direction and standards for application flow, data architecture, performance, and UX consistency across digital and in-store channels, and hold the team accountable to them.

• Establish the operating rhythm and prioritization framework your team uses to make sharp trade-offs and ship with both quality and speed.

• Ensure onboarding launches in new markets land quickly and compliantly, guiding the team's build-global-versus-localize decisions and holding the bar on regulatory requirements in every market.

Cross-functional leadership

• Partner deeply with Engineering leadership to align on architecture decisions, build out onboarding best practices, and scale onboarding capacity.

• Own key business KPIs such as conversion rate through the onboarding funnel and cost per approved customer.

• Ensure onboarding investments accelerate core revenue to the business.

• Influence senior stakeholders across Product, Engineering, Design, Data, and Operations to align on priorities and trade-offs.

Qualifications

• 8+ years of product management experience, with at least 5 years in a senior or staff-level role.

• Demonstrated experience building and scaling consumer products — ideally at a company that's gone through a period of rapid growth or a platform inflection point.

• Deep expertise across the customer journey: acquisition and onboarding funnels, conversion optimization, and the data infrastructure that supports them.

• Strong background in fintech or consumer financial services preferred

• Proven ability to translate ambiguous strategic goals into clear roadmaps, sharp prioritization decisions, and measurable outcomes.

• Ability to drive the analytical measurement of the team — ensuring the right instrumentation is in place to build dashboards, track performance, and continuously monitor the health of the product.

• Experience leading and inspiring product teams, managing multiple workstreams and stakeholders at significant scale.

• Exceptional cross-functional influencer across engineering, design, data, risk, and operations — without relying on formal authority.

• Fluency in English, written and spoken.

Nice to have

• Experience with platform-level product architecture — particularly secured/unsecured or credit lifecycle product models.

• Background in emerging markets, LATAM, or building products for underbanked consumer segments.

• Hands-on experience with conversion optimization, growth loops, or customer data platforms and communication tooling.

• SQL fluency or equivalent ability to self-serve product insights from data.

Benefits

• 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
• Life insurance.
  
• Phone finance, Headphone, home office equipment and wellness perks.
  
• 30 days of Christmas bonus
  
• 20 days paid Vacation
  
• 50% Vacation premium 
  
• 13% Saving funds 
  
• $2,000 MXN monthly grocery coupons
  
• $2,000 USD annual Co-working Travel perk
  
• $2,000 USD annual Professional Development perk
  
• Catered lunches