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 success of PayJoy depends on the strength of its locking technology against various evolving bypass mechanisms. As an experienced Android security analyst and team lead, you will be responsible for both testing and strengthening PayJoy's lock strength directly, and for leading a distributed team of three Lock Product Analysts across Brazil, South Africa, and the Philippines. We are seeking a highly skilled and tenacious senior analyst with a specialized focus on Android device security. In this critical senior role, you will independently define and lead PayJoy's testing strategy against device lock bypass methods and tools, while also managing and coordinating a distributed team of three Lock Product Analysts across Brazil, South Africa, and the Philippines. Given the problem space — ensuring lock integrity across OS OTA updates, lock technology changes, and evolving in-market bypass tools — you will explore and evaluate your own approaches, propose solutions, and drive them to completion. You will own the vulnerability discovery roadmap, lead the response to what your team finds, and develop the people doing the work. This position requires 10–25% travel to investigate vulnerabilities and techniques across several markets.