Principal Product Manager, Mobile Product

Job 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** # **Principal Product Manager, Mobile** **Location:** San Francisco, United States | Mexico City, Mexico **Reports to:** SVP of Product Management ## **About PayJoy** PayJoy is a mission-first fintech company dedicated to bringing financial access to the next billion people in emerging markets. Our patented technology turns a smartphone into collateral, giving unbanked consumers an on-ramp to credit. We've served over 20 million customers across 11 markets and remain strongly profitable — and we're just getting started. We're now at an inflection point: evolving PayJoy from a transactional loan app into a financial hub spanning credit, e-commerce, benefits, and beyond. This role is central to driving that transformation. ## **The Role** As Principal Product Manager, Mobile, you will own the vision, architecture, and execution of transforming PayJoy's apps into a destination our customers want to return to. This is a senior Individual Contributor role reporting to the SVP of Product Management. You'll work directly with Engineering leadership and the executive team to shape PayJoy's next chapter. ## **What You'll Do** ### **Platform vision & strategy** - Define and drive the multi-year product strategy for PayJoy's mobile app platform. - PayJoy operates a portfolio of multiple consumer and in-store apps. You'll help define how these apps fit together as one coherent ecosystem. - Determine which capabilities live in which app, how customers discover and move from one app to the next, and how we handle deep links and handoffs, consistent navigation, and a shared design system across surfaces. - Capitalize on active user traffic by designing personalized cross-sell capabilities across the ecosystem. - Identify opportunities to extend the platform beyond servicing — including e-commerce, rewards and benefits ecosystems, and engagement tools. - Develop the strategy for embedding financial education into the app, appropriate for a low-financial-literacy customer base. ### **Execution & delivery** - Own end-to-end product delivery: from discovery and prioritization through development, launch, and post-launch iteration across all app surfaces. - Define platform-level standards for navigation, architecture, performance, and UX consistency across all apps. - Establish and run the mobile release process and cadence across the app portfolio — coordinating feature freezes, code cutoffs, regression windows, and coordinated cross-app releases where changes span multiple apps. - Own the end-to-end submission process for Google Play, including review timelines and rejections/appeals, metadata and content-rating requirements, and keeping releases compliant with store policies. - Drive phased and staged rollouts, feature-flagging and remote config, beta/internal testing tracks (Play internal/closed testing), forced- and recommended-update strategy, and rollback/hotfix procedures when something goes wrong in production. - Drive PayJoy's app store presence — owning store optimization (ASO), ratings and reviews management, and release strategy on Google Play. ### **Cross-functional leadership** - Partner deeply with Engineering leadership to align on architecture decisions, build out native mobile best practices, and scale platform capacity. - Own key business KPIs such as cross-sell and reduced CX contacts per active user. - Ensure platform investments accelerate core revenue to the business. - Influence senior stakeholders across Product, Engineering, Design, Data, and Operations to align on platform priorities and trade-offs. ## **What You'll Bring** ### **Required** - 8+ years of product management experience, with at least 5 years in a senior or staff-level role. - Demonstrated experience building and scaling consumer mobile apps — ideally at a company that's gone through a platform inflection point. - Deep expertise in Android product development: navigation patterns, mobile architecture, performance, release management, and app store operations. - Strong background in fintech, consumer financial services, or a similarly regulated, data-intensive domain. - Proven ability to translate ambiguous strategic goals into clear roadmaps, sharp prioritization decisions, and measurable outcomes. - Demonstrated capability to define instrumentation events, execute phased rollouts, and measure metrics. - Exceptional cross-functional influencer across engineering, design, data, risk, and operations — without relying on formal authority. - Fluency in English, written and spoken. ### **Nice to have** - Experience managing a multi-app or platform-level product portfolio — particularly secured/unsecured or credit-lifecycle product models. - Background in emerging markets, LATAM, or building products for underbanked consumer segments. - Hands-on experience with app store optimization, growth loops, or engagement and retention product mechanics. - SQL fluency or equivalent ability to self-serve product insights from data. - Fluency in Spanish or Portuguese.