PayJoy Tech Stack

Credit platform for underserved customers in emerging markets

Financial Services San Francisco, California 1,001–5,000 employees Founded 2015 Privately Held

PayJoy operates a secured credit platform serving underserved populations across emerging markets, with a tech stack anchored in data (SQL, Snowflake, Python, Tableau, Looker) and consumer engagement (Braze, HubSpot, Meta, WhatsApp). The hiring mix—sales-heavy with 64 active roles, followed by marketing (35) and engineering (31)—reflects a growth-stage fintech balancing origination velocity with fraud prevention and merchant integration, both active project areas. Active pain points around partner origination, merchant productivity, and fraud risk suggest the company is scaling distribution while tightening operational execution.

Tech Stack 78 technologies

Core StackTableau Power BI Looker Python Snowflake Rippling AWS Salesforce Marketo Braze HubSpot Google Ads Meta Ads NetSuite Kubernetes Docker SQL Looker Studio Google Sheets Excel Google Workspace Microsoft Office Meta Instagram YouTube Google TikTok WhatsApp Oracle Planning and Budgeting Cloud Service CI/CD+48 more

AdoptingZoho

What PayJoy Is Building

◆Challenges

Increasing partner origination
Increasing service efficiency
Increasing merchant productivity
Customer complaints
Technical debt and operational gaps
Improving sales performance
Reducing incidents
Reducing customer acquisition cost
Fraud risk reduction
Maintaining device lock security

▲Active Projects

Store activation
Incentive campaign implementation
Targeted marketing
Identity verification system
Launch credit line qr product
Paid advertising campaigns
Partner api integrations
Incentive campaigns
Fraud prevention platform
Conversion tracking and measurement infrastructure

Hiring Activity

Accelerating250 roles · 140 in 30d

Department

Sales

Marketing

Engineering

Finance

Ops

Legal

Support

Product

Seniority

Senior

Mid

Junior

Manager

Staff

Lead

Director

Intern

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About PayJoy

PayJoy provides point-of-sale financing and cards to over 18 million customers in emerging markets, targeting individuals historically excluded from traditional credit systems. The company uses secured credit mechanics and machine learning-driven underwriting to mitigate risk while enabling financial access. Operations span 14 countries across Latin America, Southeast Asia, Africa, and South Asia, with headquarters in San Francisco. The product portfolio includes both financing at point-of-sale and standalone card offerings, supported by anti-fraud AI and data science capabilities.

HeadquartersSan Francisco, California

Company Size1,001–5,000 employees

Founded2015

Hiring MarketsColombia, Philippines, United States, Canada, Brazil, Mexico, Peru, Ecuador

Frequently Asked Questions

What countries is PayJoy hiring in?

PayJoy has active hiring across 14 countries: Colombia, Philippines, United States, Canada, Brazil, Mexico, Peru, Ecuador, Indonesia, China, Panama, South Africa, India, and Chad.

What is PayJoy's tech stack?

PayJoy uses SQL, Snowflake, Python, and Tableau for analytics; Salesforce, Marketo, Braze, and HubSpot for CRM and engagement; AWS for infrastructure; and Kubernetes and Docker for deployment. Adopting Zoho.