PayJoy Interview Guide

PayJoy is a mission-driven financial service provider that aims to empower under-served customers in emerging markets by helping them achieve financial stability and success. Founded with a commitment to improving access to credit and technology, PayJoy has developed patented technology that transforms smartphones into digital collateral, backed by advanced machine learning and anti-fraud AI. This innovative approach has enabled the company to offer competitive lending solutions, successfully providing billions of dollars in credit to over 12 million customers by 2024. With a remarkable growth trajectory—doubling its customer base in the last two years—PayJoy has maintained profitability and sustainability while fostering a collaborative, diverse, and innovative culture within its teams.