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PayJoy
PayJoy
1,001 – 5,000 Employees
H1B Visa SponsorFintechRetailTelecommunications
PayJoy is a fintech company that expands access to smartphones and financial services through installment-based credit. Its buy now, pay later model enables customers in markets including Mexico, Panama, Peru, Ecuador, Brazil, Colombia, South Africa, and the Philippines to purchase smartphones over three to twelve months without relying on a credit card or traditional bank account. PayJoy also provides cash loans that can be approved through a smartphone, combining mobile technology with alternative financial access across fintech, telecommunications, and retail.
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PayJoy Collections Representative

Support PayJoy’s collections operations in Panama by processing payments, maintaining credit bureau records, and coordinating customer support and collection campaigns. The role combines operational reporting, data quality, payment reconciliation, and compliance with internal policies and regulatory requirements.

PAPanamaHybridFull-timeJuniorSpanish RequiredGeneralRepresentative

Description

  • Apply cheque payments on a weekly basis.
  • Provide operational support to payment processors and follow up on issues affecting collections.
  • Meet required service level agreements to help prevent legal risks.
  • Manage bulk credit bureau updates and keep outdated references below 3%.
  • Attend meetings with APC to review new products, operational improvements, and regulatory changes.
  • Process manual adjustments and update customer credit history statuses.
  • Check the quality of reported information.
  • Review basic database discrepancies and prepare periodic reports.
  • Maintain documentation related to the collections strategy.
  • Send and monitor bulk campaigns through SMS, push notifications, and collection agencies.
  • Support the operational execution of collection strategies.
  • Assist customers and resolve collections-related complaints.
  • Coordinate with internal teams to resolve issues.
  • Issue and manage balance letters.
  • Maintain and clean operational databases.
  • Provide cross-functional support to collections, credit, and operations teams.
  • Follow internal policies and current regulatory requirements.

Requirements

  • Technologist or professional degree in business administration, finance, or a related field.
  • At least 1–2 years of experience in back office, operations, credit, collections, or administrative work.
  • Proficiency with collections management software and tools, as well as Google or Microsoft Office (Excel, Word, and PowerPoint).
  • Intermediate Excel skills.
  • Experience processing payments, reconciling accounts, and handling credit information.
  • Knowledge of credit bureau reporting processes, such as APC or similar bureaus.
  • Strong organization, attention to detail, and ability to manage high operational volumes.
  • Communication skills for assisting customers and resolving complaints.
  • Empathetic, supportive customer communication and strong assertive verbal and written communication skills.
  • Knowledge of collections-related metrics.
  • Ability to work under pressure and meet deadlines.

Benefits

  • Health insurance for the employee and immediate family.
  • Financing for a phone, headphones, and home office equipment, plus wellness benefits.
  • 30 days of vacation.
  • Annual $2,000 USD benefit for coworking travel.
  • Annual $2,000 USD benefit for professional development.

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