Hot Jobs at PayJoy

This role

• As PayJoy continues to grow and expand in Latin America and globally, we are deepening our investments in anti-fraud to deliver the best possible prices to our customers.  We are seeking a dedicated Fraud Prevention Specialist to join our fraud operations team in South Africa. This position plays a critical role in ensuring the integrity and security of our phone finance product by detecting, investigating, and preventing fraudulent activities. The ideal candidate will be responsible for monitoring transactions, analyzing fraud patterns, and implementing strategies to mitigate fraud risks, thereby protecting our customers and the company's financial assets.
• A successful candidate for this role will possess strong analytical skills, attention to detail, and the ability to think critically under pressure. They should be proactive, innovative, and capable of working independently as well as part of a team. Excellent communication skills and the ability to collaborate with cross-functional teams are essential for effectively addressing and resolving fraud-related issues.

Responsibilities

• Monitor and analyze transactions for potential fraudulent activity.
• Investigate and resolve reported fraud cases, ensuring timely and accurate documentation.
• Develop and implement fraud prevention strategies and procedures.
• Collaborate with the customer service and operations teams to address and mitigate fraud risks.
• Conduct regular fraud risk assessments and provide recommendations for improvement.
• Prepare and present detailed reports on fraud trends and prevention measures.
• Stay updated on the latest fraud techniques and industry best practices.
• Assist in training and educating team members on fraud prevention and detection

Requirements

• Bachelor's degree in Finance, Business Administration, or a related field.
• Minimum of 2 years of experience in fraud prevention, preferably within the financial services industry.
• Strong analytical and problem-solving skills.
• Proficiency in using fraud detection software and tools.
• Excellent communication and interpersonal skills.
• Languages: English

Desirable Qualifications

• Professional certification in fraud examination (e.g., CFE).
• Experience with phone finance products or similar financial services.
• Familiarity with regulatory requirements and compliance standards in South Africa.
• Language: Any local languages in ZA

Benefits

• Health Insurance
• Life insurance
• Pension Fund
• Vacations 20 days
• $2,000 USD annual Coworking Travel Perk
• $2,000 USD annual Professional Development Perk
• $500 USD annual Fitness Perk
• $500 USD Phone Finance allowance
• $250 USD Home Office equipment allowance
• $200 USD Headphone allowance

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This role

• The corporate counsel is responsible for providing legal advice to the company, ensuring its legality and the protection of its interests in a wide range of legal matters, such as contract negotiation, regulatory compliance, mergers and acquisitions, and litigation.

Responsibilities

• Develop and implement the company's legal strategy to support expansion in a country(ies), participating in the company’s international expansion and ensuring alignment with the global legal and compliance program.
• Provide legal services and guidance to the organization, including in matters related to product advisory, Intellectual Property protection, managing and negotiating a wide range of business contracts, labour law, company law and corporate governance, privacy, KYC/AML/Sanctions, amongst others.
• Oversee compliance with regulatory requirements, including data protection, local legislation and corporate governance. Develop and implement legal and compliance frameworks harmonized with the company’s global compliance infrastructure.
• Provide strategic advice, legal risk assessments and mitigation strategies to the business leadership and the management team.  In collaboration with the executive management, manage various complex legal projects.
• Liaise with and manage relationships with external law firms across multiple jurisdictions.
• Lead dispute resolution, litigation management, and regulatory investigations when necessary.
• Support corporate structuring and any M&A activities as the company scales.
• Develop and review legal and compliance policies and procedures.
• As the business expands, hire, lead and train an effective internal L&C team.
• Contribute to the global legal department’s knowledge-sharing, policy development, and strategic initiatives, acting as a regional leader aligned with a global mandate.

Requirements

• Bachelor of Laws degree and Master ’s degree in commerce, Business Administration, Management, Law or related field.
• Admitted Legal Practitioner, minimum of 10 years of experience, with strong preference for in-house legal experience building a legal team and partnering with the business through hypergrowth or business transformation periods.
• Minimum of 5 years of relevant senior management experience, leading a function, interacting with and providing advisory to executive management.
• Strong financial services industry experience.
• Exposure to working with or within fast-growing startups and international business environments. Prior experience in a startup / tech environment is preferred.
• Excellent leadership and management skills, with the ability to communicate effectively with both legal and non-legal stakeholders.
• Proven ability to operate in a cross-border, matrixed reporting environment.
• Proven ability to analyse and solve complex legal issues.
• Strong negotiation skills.
• Strong writing skills and high attention to detail.
• Excellent verbal and written communication skills.
• Ability to work independently and meet timelines.

Benefits

• Health Insurance 
• Pension Fund
• Vacations 20 days
• Phone finance, Headphone, home office equipment and fitness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk

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This role

• The Collections Supervisor plays a critical role in enhancing the effectiveness and efficiency of the company’s debt recovery process. This position leads a team that directly influences the organisation’s financial stability by ensuring the timely collection of outstanding accounts. The supervisor is responsible for maintaining a healthy debtor portfolio, supporting the company’s operational liquidity, and enabling growth.
• Key responsibilities include driving proactive credit control strategies cradle to grave, maximising debt recovery efforts, and ensuring all collection activities are compliant with South African laws and regulations, including the National Credit Act and the Debt Collectors Act. The focus is on preventive management, reducing overdue accounts, and recovering payments ethically and lawfully.

Responsibilities

• Manage Early Delinquency Accounts: Oversee accounts that are 1-30 days past due by utilizing digital communication channels such as the PayJoy app and SMS to prevent further delinquency and efficiently recover outstanding amounts.
• Coordinate with External Collection Agencies: Work closely with external debt collection agencies responsible for accounts overdue by more than 31 days. This includes developing effective portfolio allocation strategies, maintaining consistent communication, and ensuring alignment with South African credit and collections regulations to optimise the recovery of aged and delinquent accounts.
• Measure and Analyze Agency Performance: Monitor and evaluate the performance of external collection agencies by tracking weekly recovery rates and cost-effectiveness to optimize collection strategies.
• Monthly Performance Comparison: Measure and compare month-over-month recovery results between control and treatment groups using data analysis tools to identify trends, evaluate strategy effectiveness, and implement improvements.
• Report to Credit Bureau: Report client accounts to the credit bureau on a monthly basis by compiling and submitting accurate and timely reports to ensure compliance with credit reporting standards.
• Generate Analytical Reports: Create detailed analytical reports to evaluate the effectiveness of collection strategies by using data analysis and reporting tools to provide insights for decision-making and strategy adjustments.
• Conduct Recovery Experiments: Design and implement experiments aimed at improving recovery rates by developing hypotheses, testing strategies, and analyzing results to innovate and enhance the efficiency of the collections process.
• Operational Support for Payment Processors: Assist with payment processor operations and resolve any issues by providing follow-up and support to ensure smooth transaction processing and address operational challenges promptly.

Requirements

• Bachelor's degree in Business Administration, Finance, or a related field.
• Minimum of 2-4 years of experience in collections management, team leadership and customer services.
• Proficiency in using collection management softwares and tools, as well as Google or MS Office Suite (Excel, Word, PowerPoint). 
• Knowledge of credit reporting procedures and compliance standards.
• Strong analytical skills with experience in performance measurement and strategy evaluation.
• Excellent organizational and problem-solving abilities, along with the capability to collaborate seamlessly with both internal teams and external agencies.
• Knowledge of how to give proper feedback and coaching. Work in team and under pressure
• Ability to demonstrate empathy and a supportive attitude when communicating with our clients, as well as a strong ability to communicate assertively, either orally and in writing.

Benefits

• Health Insurance - Company funded for employee and immediate family. Capped at R9360.00
• Life insurance - Company funded
• Pension Fund
• Vacations 20 days
• Phone finance, Headphone, home office equipment and wellness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk