Kyriba System Administrator
PayJoy
Kyriba System Administrator
PayJoy
Provides credit access via device-collateral loans
The Systems Administrator owns Kyriba TMS that carry PayJoy's cash across 13 plus markets. The work covers Kyriba administration, payments, FX deals, the daily cash position, and the connections into the banks and NetSuite.
PayJoy helps people in emerging markets access credit to buy smartphones and other devices by partnering with local banks and retailers. Its system uses mobile locking technology and data science to let customers pay over time, with the device serving as collateral and remaining locked until payments are made; if needed, the lender can immobilize the device. Unlike traditional lenders, PayJoy works in markets with limited banking by combining device collateral with fintech and retailer partnerships to extend credit to the unbanked. Its goal is to expand affordable device access, improve consumer financial inclusion, and support growth in developing economies.
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