Principal Product Manager, Mobile Product

Location: San Francisco, United States | Mexico City, Mexico Reports to: SVP of Product Management

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.

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.

• 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.

• 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.

• 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.

• 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.

• 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.