CollectionsAnalytics&StrategyManager

## Description 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 ## Key responsabilities Strategy & Planning Define the global collections strategy in partnership with the Senior Manager, setting priorities, recovery targets, and market-level initiatives. Translate business goals into actionable collection strategies for each market (LatAm, ZA, PH). Build and maintain the global collections playbook, ensuring consistency and best practices across regions. Identify expansion opportunities and support new market readiness from a collections strategy standpoint. A/B Testing & Experimentation Design, launch, and manage A/B tests and controlled experiments across collection channels, messaging, and treatment strategies. Define hypotheses, success metrics, and minimum detectable effects for each experiment. Analyze test results and make data-backed recommendations on whether to roll out, iterate, or discontinue an initiative. Build an experimentation culture across the collections team, documenting learnings and sharing findings broadly. Impact Measurement & Decision Support Own the end-to-end measurement framework for collections initiatives — from baseline to post-launch impact. Develop and maintain KPIs, recovery rate tracking, and portfolio health indicators across all markets. Deliv