PayJoy
Senior Product Manager Trust and Safety
San Francisco, CA · Senior
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DOL prevailing wage, 2026-27 wage year · Information Security Analysts (15-1212) · San Francisco-Oakland-Fremont, CA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.
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About the role
- This is not a back-office risk role-it's a high-visibility product leadership position at the intersection of AI, data science, security, and customer experience.
- You thrive in ambiguity, can sequence competing priorities across multiple geographies, and communicate fraud posture and strategic tradeoffs to senior leadership with clarity and conviction.
- Above all, you believe that financial inclusion and world-class fraud prevention aren't at odds-they're the same mission.
Responsibilities
- Define and drive a multi-market Trust & Safety strategy that balances fraud loss reduction with customer conversion-owning the full roadmap from detection accuracy improvements to false-positive reduction and friction minimization.
- Lead the end-to-end product lifecycle-from problem discovery through launch and iteration-for fraud detection and prevention systems across all PayJoy markets.
- Partner with Data Science and Engineering to ship ML-powered decisioning, AI-driven investigation agents, rule engines, real-time monitoring, and alerting tools that adapt to evolving fraud vectors.
- Design frictionless fraud mitigation experiences (identity verification, step-up authentication, device intelligence) that protect users without punishing them.
- Define and own key Trust & Safety metrics (loss rates, false positive rates, detection latency, customer impact scores) and build dashboards that make fraud posture visible company-wide.
- Hands-on data skills: you write SQL, build dashboards, and use data to drive every major decision.
Skills
- Familiarity with fraud prevention tools and vendors (e.g., Sift, Arkose Labs, Sardine, or equivalent).
- Background in device intelligence, behavioral biometrics, or identity verification technologies.
- Knowledge of compliance regulations related to fraud (e.g., AML, KYC).
- Additional Bonus Skills
- Fluency in Spanish.
Compensation
- $250k-$270k
Company info
- PayJoy is a mission-driven, mission-first company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success.
- Founded in 2015, PayJoy's "secret sauce" technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system.
- We reached profitability in 2019 and are growing rapidly, reaching over a billion dollars of sales in 2022 from millions of happy customers.
This listing is sourced directly from PayJoy's careers page and normalized into a canonical job model.