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 Senior Growth Manager – Direct to Consumer (DTC) is responsible for leading PayJoy’s digital acquisition strategy across key markets including Mexico, Brazil, and Colombia. This role drives scalable and profitable growth through performance marketing, funnel optimization, and cross-functional collaboration with Risk, Product, and Analytics teams. The position focuses on acquiring high-quality customers while optimizing CAC, improving conversion, and ensuring strong portfolio performance. \n Responsibilities Own the DTC acquisition strategy and execution across paid and owned channels (Google, Meta, TikTok, OEMs, affiliates), driving scalable and efficient customer growth Plan, launch, and optimize campaigns across multiple markets, testing creatives, audiences, and bidding strategies to maximize ROI and minimize CAC Analyze performance using cohort-based metrics (LTV, CAC, payback, repayment), generating actionable insights and recommendations for continuous improvement Partner closely with Risk and Analytics teams to ensure acquisition quality and alignment with credit performance metrics such as approval rate, delinquency, and repayment Lead structured experimentation across the funnel, including creatives, landing pages, onboarding flows, and targeting strategies to improve conversion rates Collaborate with Product and Engineering teams to enhance tracking, attribution, and measurement frameworks across digital channels Develop localized growth strategies by market, adapting channels, messaging, and user journeys to country-specific dynamics Contribute to PayJoy’s global growth playbook by sharing insights, best practices, and learnings across regions Qualifications Bachelor’s degree in Business, Engineering, Economics, Marketing, or related fields 6–9 years of experience in growth, performance marketing, or digital acquisition roles, preferably in fintech, lending, or high-growth tech companies Proven experience managing large-scale performance marketing campaigns with clear accountability on CAC, LTV, and ROI Strong understanding of unit economics and how acquisition impacts portfolio performance and profitability Hands-on experience with platforms such as Google Ads, Meta, TikTok, and attribution tools like AppsFlyer, Adjust, or similar Experience working across multiple countries or emerging markets (LatAm preferred: Mexico, Brazil, Colombia) Strong analytical and problem-solving skills, with the ability to translate data into actionable insights Experience collaborating with cross-functional teams including Risk, Product, Analytics, and Finance Self-starter with strong ownership, curiosity, and a bias for action Benefits 100% Company-funded Health and dental and vision discount plan for employees and immediate family members. Life insurance. Phone finance, Headphone, home office equipment and wellness perks. 30 days of Christmas bonus. 20 days paid Vacation. 50% Vacation premium. 13% Saving funds. $2,000 MXN monthly grocery coupons. $2,000 USD annual Co-working Travel perk. $2,000 USD annual Professional Development perk. \n 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
