About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Collections Supervisor is responsible for streamlining and improving the efficiency of the company's collections process, through a team that directly impacts the financial health of the business; by ensuring that the company recovers its outstanding accounts, thus ensuring the liquidity necessary to maintain its operations and facilitate its expansion, maintaining a healthy portfolio and focusing efforts on preventive management, recovering as many outstanding debts as possible, and obtaining payments without violating the collection laws and regulations in force in the country.
Responsibilities
- Manage Early Delinquency Accounts: Oversee accounts that are 1-30 days past due by utilizing digital communication channels such as the PayJoy app and SMS to prevent further delinquency and efficiently recover outstanding amounts.
- Coordinate with External Collection Agencies: Collaborate with external agencies handling accounts over 31 days past due by developing portfolio assignment strategies and maintaining regular communication to ensure effective management and recovery of older delinquent accounts.
- Measure and Analyze Agency Performance: Monitor and evaluate the performance of external collection agencies by tracking weekly recovery rates and cost-effectiveness to optimize collection strategies.
- Monthly Performance Comparison: Measure and compare month-over-month recovery results between control and treatment groups using data analysis tools to identify trends, evaluate strategy effectiveness, and implement improvements.
- Report to Credit Bureau: Report client accounts to the credit bureau on a monthly basis by compiling and submitting accurate and timely reports to ensure compliance with credit reporting standards.
- Generate Analytical Reports: Create detailed analytical reports to evaluate the effectiveness of collection strategies by using data analysis and reporting tools to provide insights for decision-making and strategy adjustments.
- Conduct Recovery Experiments: Design and implement experiments aimed at improving recovery rates by developing hypotheses, testing strategies, and analyzing results to innovate and enhance the efficiency of the collections process.
- Operational Support for Payment Processors: Assist with payment processor operations and resolve any issues by providing follow-up and support to ensure smooth transaction processing and address operational challenges promptly.
Requirements
- Bachelor's degree in Business Administration, Finance, or a related field.
- Minimum of 2-4 years of experience in collections management, team leadership and customer services.
- Proficiency in using collection management softwares and tools, as well as Google or MS Office Suite (Excel, Word, PowerPoint).
- Proficiency in SQL for data analysis and reporting is a plus.
- Knowledge of credit reporting procedures and compliance standards.
- Strong analytical skills with experience in performance measurement and strategy evaluation.
- Excellent organizational and problem-solving abilities, along with the capability to collaborate seamlessly with both internal teams and external agencies.
- Knowledge of how to give proper feedback and coaching. Work in team and under pressureAbility to demonstrate empathy and a supportive attitude when communicating with our clients, as well as a strong ability to communicate assertively, either orally and in writing.
Benefits
- Health Insurance - Company funded for employee and immediate family. Capped at R9360.00
- Life insurance - Company funded
- Pension Fund
- Vacations 20 days
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening