About the role
About PayJoy 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 The Counsel will be responsible for leading the country's legal affairs, ensuring regulatory compliance and mitigating risks in complex operations. This role requires independently and rigorously reviewing, drafting, and negotiating contracts, as well as leading and supporting internal and external audit processes. \n Repsonsibilities Lead country legal affairs, ensuring strict regulatory compliance and risk mitigation across complex business operations. Review, draft, and negotiate complex contracts (commercial, technology, vendor, and strategic alliances), ensuring legal precision and alignment with business objectives. Advise business, product, and engineering teams, actively participating in meetings to translate commercial needs into clear and viable legal solutions. Lead and execute internal and external legal audit processes, identifying risks, proposing mitigation plans, and ensuring regulatory compliance. Draft and review legal documentation in English (and Spanish when applicable), including contracts, internal policies, regulatory reports, and formal communications. Analyze complex business models, particularly within tech and fintech environments, providing strategic legal guidance for new initiatives and product launches. Manage regulatory processes and, when necessary, support the acquisition and maintenance of licenses, interacting with authorities and relevant stakeholders. Autonomously manage multiple high-priority projects in a fast-paced environment.
