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

A successful candidate for the role of Fraud Prevention Representative should possess strong communication skills, enabling effective collaboration with his team and different teams across multiple countries. They must have a deep understanding of customer service/fraud prevention principles and the ability to analyze diverse fraud vectors and ensure to adapt to market-specific needs. The candidate should also demonstrate cultural sensitivity, problem-solving abilities, and the capability to receive and act on constructive feedback to drive continuous improvement and maintain high customer satisfaction levels.

Responsibilities

Real time evaluation and transcript missing information from Identity Documents of suspicious sales flagged by automated tools.
Prevent identity theft and other fraud vectors as well as report them accurately.
Contribute to Finance Order originations by approving good sales and correctly blocking bad sales.
High sense of urgency by reporting issues or bugs derived from Dashboards or Tools.
Manages and resolves customer disputes related to banking transactions, delivering timely and empathetic support in compliance with internal policies and regulatory requirements; proactively identifies and prevents potential fraud by detecting suspicious patterns, conducts in-depth investigations and root-cause analysis, and collaborates with cross-functional teams to ensure accurate resolution and continuous risk mitigation.

Requirements

Partially or completed technical or university studies in related areas such as Business Administration, Communications, or similar fields.
Basic level of English.
Intermediate knowledge of Microsoft Office tools.
Previous experience in customer service or support, preferably in sales or the financial sector, for at least one year.
Effective communication skills, ability to work in a team, and handle difficult situations under pressure.

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
Pension Fund
Company-funded employee life and disability insurance
20 days vacation, unlimited sick leave
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
Phone Finance, headphone benefit, home office equipment allowance and wellness perks
Catered Lunch

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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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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