Product Manager - Lock Platform

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 Job Summary PayJoy Lock is the core moat of PayJoy's business, a proprietary security stack running across the world's largest emerging market device fleet.   As PM for Lock Platform, you will own the programs that keep that moat strong and expanding. You will combine deep technical fluency with strategic clarity to drive lock security, reliability, and device compatibility programs across multiple markets.   This is a key Individual Contributor role reporting to the Lock Platform Lead. You will work alongside a team of engineers helping to increase PayJoy's lock strength, expand device selection, and reduce fraud and accidental locking across multiple emerging markets.   This role is based in our San Francisco office. We are an in-person t