PayJoy provides secured credit access to first-time borrowers in emerging markets through point-of-sale financing and credit card products.
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 Automation Engineer (Tools Specialist) bridges low-code automation and software development to power PayJoy's CX across 9 countries. Embedded in the Global Tools team, this role owns PHP/Python APIs, Zendesk AI Agents, IVR platforms, and N8N/Make workflows - delivering AI-powered, data-driven solutions end-to-end. Strong autonomy, async communication, and cross-cultural collaboration across Brazil, South Africa, and Colombia are essential.