DirectorofOperations

## 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 The Director of Operations will play a pivotal role in driving growth, fostering innovation, and enhancing automation across key operational areas. By optimizing processes and ensuring exceptional partner and customer satisfaction, this leader will oversee three major verticals: Retail Expansion Operations: Oversee promoter and salesforce management, ensuring high-performance execution. Standardize store layouts and operational workflows to maximize efficiency. Develop demand forecasting models to optimize inventory levels and minimize stockouts. Implement robust reverse logistics processes for seamless returns and refurbishments. Logistics for New Products & Channels: Develop and oversee logistics strategies for new product launches and channel expansions. Ensure operational excellence, cost efficiency, and superior customer experiences in logistics execution. Merchant Operations: Optimize and automate PayJoy’s B2B network operations to enhance merchant performance and partner satisfaction. Oversee bug escalation and resolution processes, ensuring minimal disruptions. Develop a scalable, technology-driven strategy to grow and sustain the merchant network. ## Key Responsabilities Develop and execute operational strate