Validation Support Representative
About the job
- Partially or completed technical or university studies in related areas such as Business Administration, Communications, or similar fields.
- Basic level of English.
- Intermediate knowledge of Microsoft Office tools.
- At least one year of previous experience in customer service or support, preferably in sales or the financial sector.
- Effective communication skills, ability to work in a team, and ability to handle difficult situations under pressure.
- Evaluate suspicious sales flagged by automated tools in real time and transcribe missing information from identity documents.
- Prevent identity theft and other fraud vectors, and report them accurately.
- Contribute to finance order originations by approving valid sales and blocking fraudulent sales.
- Promptly report issues or bugs identified through dashboards or tools.
- Manage and resolve customer disputes related to banking transactions, providing timely, empathetic support in compliance with internal policies and regulatory requirements.
- Proactively identify and prevent potential fraud by detecting suspicious patterns and conducting in-depth investigations and root-cause analysis.
- Collaborate with cross-functional teams to ensure accurate resolution and continuous risk mitigation.
About the company
PayJoy provides credit access to underserved consumers in emerging markets by partnering with local banks and retailers. Its service uses mobile locking technology and data science to allow customers to buy smartphones and other devices on credit, with the device serving as collateral and locked until payments are made. The company differentiates itself through the device-collateral model and its network of financial institutions and retailers that extend credit to people without traditional bank accounts. Its goal is to expand affordable device access and support economic growth in emerging economies by connecting lenders with underserved consumers.
Company Size
1,001-5,000
Company Stage
Debt Financing
Total Funding
$606.9M
Headquarters
San Francisco, California
Founded
2015
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Simplify's Take
What believers are saying
- July 23, 2026, PayJoy reported a $1 billion revenue run rate and $180 million profit.
- September 28, 2026, Kservico opened PayJoy financing across nearly 170 Philippine branches.
- April 6, 2026, Iván Canales joined as CRO to deepen growth in new geographies.
What critics are saying
- Remote phone-locking faces consumer-protection attacks, inviting bans in Mexico and Brazil.
- Google Android policy changes weaken PayJoy's locking controls and raise engineering costs.
- A ban on device-locking destroys PayJoy's underwriting model and commoditizes smartphone financing.
What makes PayJoy unique
- Device-locking collateral turns smartphones into enforceable loans across nine countries.
- PayJoy crossed 20 million customers and $3.5 billion financed by May 4, 2026.
- Its secured-credit AI and retail partnerships keep underwriting local and distribution dense.
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Benefits
Health Insurance
Life Insurance
Disability Insurance
Wellness Program
Professional Development Budget
Commuter Benefits
Meal Benefits
Unlimited Paid Time Off
Paid Vacation
Paid Sick Leave
Home Office Stipend
Growth & Insights and Company News
6 month growth
2%1 year growth
0%2 year growth
1%PayJoy has acquired Mexican fintech Finia to strengthen its underwriting and expand services for customers with limited access to formal credit, the company said Monday, October 12. Finia built AI underwriting tools for micro-businesses with limited financial data and owners with little or no credit history. It used them to offer credit cards and installment loans. "Finia has developed valuable technology and deep insights that can help address one of the fundamental challenges in financial inclusion," said Jose Luis Gonzalez, head of growth for PayJoy Mexico. PayJoy has more than 20 million customers across Latin America, Africa, and Asia. It offers smartphone financing, credit lines, and the PayJoy Card.
Small business news releases. PayJoy wins Tearsheet's Big Bank Theory - Serving the Underserved Award. Recognition highlights PayJoy's commitment to serving underserved communities and those traditionally excluded SAN FRANCISCO, Sept. 30, 2026 /PRNewswire/ - PayJoy, a leading financial services provider for underserved consumers across emerging markets, has won the Serving the Underserved Award. Hosted by The Big Bank Theory Awards by Tearsheet, this award recognizes the bank or financial product that serves communities that have not traditionally received support from the financial services industry. The Big Bank Theory Awards by Tearsheet honor excellence and innovation in banking, bringing together established industry leaders, fintechs, and emerging startups. With categories highlighting achievements including, but not limited to, embedded finance and card issuing, the awards invite financial institutions and innovators to showcase their impact and broader industry influence. This win underscores PayJoy's global impact of its support of underserved communities across the nine countries where it operates. PayJoy identifies creditworthy customers, including gig workers and microentrepreneurs, whom the financial system has systemically ignored, by leveraging alternative data sources. "This honor from Tearsheet is a reminder that in a market full of predatory lenders, our outlook of credit for all is more important now than ever," said Doug Ricket, PayJoy CEO and Co-Founder. "We remain committed to operating with radical transparency in all that we do, with no compounding interest, no late fees, and fixed repayment schedules so our customers can build, earn, and thrive." About PayJoy PayJoy expands credit access across emerging markets through point-of-sale financing and card offerings. Its proprietary secured-credit technology enables first-time borrowers to responsibly build financial stability and participate fully in the modern economy. Through its cutting-edge machine learning, data science, and anti-fraud AI, PayJoy has financed over $3.5 billion of loans to more than 20 million people and employs over 1,000 people worldwide. For more information, visit https://www.payjoy.com/ SOURCE PayJoy
PayJoy and Kservico partner to expand smartphone access across the Philippines. September 28, 2026 The partnership combines PayJoy's financing platform with Kservico's retail network to make smartphone ownership more accessible for Filipinos. VIA GRAPHIC PLUS | MANILA, Philippines - As smartphones become increasingly essential for work, education, entrepreneurship, and everyday life, PayJoy Philippines and Kservico have entered into a Commercial partnership to make smartphone ownership more accessible for Filipinos. The partnership brings together PayJoy's technology-enabled financing platform and Kservico's trusted retail network, giving customers at participating Kservico stores another accessible way to acquire eligible smartphones. Both companies share a commitment to expanding access to smartphones and empowering more Filipinos to participate in today's increasingly digital economy. "When we looked at Kservico, we didn't just see one of the country's largest retail networks. We saw a company that has spent more than five decades putting quality products within reach of ordinary Filipino families," said Joseph Lim, Country Manager of PayJoy Philippines. "That mission closely aligns with PayJoy's commitment to helping hardworking Filipinos access the products, tools, and financing they need to build better lives. Together, we hope to create even more opportunities for communities across the country." Today, smartphones have become more than just communication devices - they are essential tools that help Filipinos navigate everyday life. A smartphone has become an enabler of opportunity, empowering people to apply for jobs, attend online classes, run small businesses, access digital financial services, and stay connected with family and loved ones in an increasingly digital world. As more aspects of daily life move online, access to reliable technology has become increasingly important. By expanding pathways to smartphone ownership, PayJoy and Kservico aim to help more Filipinos access the tools they need to participate in today's digital economy. Customers purchasing eligible smartphones at participating Kservico branches may apply for PayJoy financing as part of their in-store purchase journey, providing another accessible payment option for consumers. Whether for work, education, entrepreneurship, or staying connected with loved ones, the collaboration is designed to help more Filipinos own the technology they need to support their everyday lives. "This partnership has been two years in the making, and we're excited to finally make it a reality," said Grace Balingit, President of Kservico. "Together with PayJoy, we hope to help more Filipinos access the dream smartphones they need while reaching even more communities in far-flung areas through accessible financing options." Physical retail continues to play an important role in expanding digital and financial inclusion in the Philippines. Looking ahead, PayJoy and Kservico aim to make smartphone ownership more accessible by combining PayJoy's seamless financing experience with Kservico's trusted retail network. With Kservico's nearly 170 branches across Metro Manila and Luzon, more Filipinos can conveniently access the technology they need to learn, work, grow their business, and stay connected. "Digital inclusion requires more than connectivity. People also need access to the devices that allow them to participate," added Lim. "Strong retail partnerships help us bring that access closer to customers. Ultimately, our goal is to use technology to create a pathway for more people to participate in the digital and financial economy." Started in 1927, the Philippines Graphic is the longest-running printed magazine of national circulation that provides relevant news and features and promotes Philippine literature. Karl Jerome M. del Mundo, DOST-STII - 4 hours ago VIA GRAPHIC PLUS | Makati City - Regional leaders and industry innovators were urged for an inclusive, market-wide, systemic transformation to scale circular economy initiatives across Southeast Asia during the ASEAN Regional... By Karl Jerome M. del Mundo, DOST-STII - 6 hours ago VIA GRAPHIC PLUS - Eleven government researchers and scientific experts were officially named as new Career Scientists and two upgraded Career Scientists this year, the Scientific Career System (SCS) recognized, Admiral Hotel,... VIA GRAPHIC PLUS - A good food trip leaves room for a little spontaneity. At Araneta City, more than 350 food brands come together across the City, making it easy to turn... To help catalyze and spur leadership in health and well-being across the residential sector, Landco Lifestyle Ventures is participating in a first-of-its-kind program aimed at establishing IWBI's new global benchmark for healthier...
CNBC Names PayJoy one of the World's Top FinTech Companies of 2026. Jul 23, 2026, 17:22 ET Recognition highlights PayJoy's leadership in emerging market consumer finance SAN FRANCISCO, July 23, 2026 /PRNewswire/ - CNBC and Statista have named PayJoy to the "World's Top Fintech Companies 2026," which honors companies providing digital funding and bank-independent lending solutions for individuals and businesses. PayJoy is a leading financial services provider for underserved consumers across emerging markets. Now in its fourth edition, the ranking identifies 500 leading companies across eight fintech market segments worldwide, including Payments, Neobanking, Wealth Technology, Digital Assets, Enterprise Fintech, Insurtech, Regtech, and Alternative Financing. Companies were evaluated using an aggregated scoring model built on both general and segment-specific KPIs, drawing on desk research from publicly available sources alongside company self-reports submitted through an open application process. PayJoy's inclusion reflects its work bringing credit access to the emerging middle class in Mexico, Colombia, Brazil, Panama, Peru, Ecuador, South Africa, the Philippines, and Indonesia, nine countries where traditional financial infrastructure has long excluded first-time borrowers. "This recognition from CNBC and Statista is a meaningful validation of the work our team does every day," said Doug Ricket, PayJoy CEO and Co-Founder. "Millions of people across the markets we serve are building credit for the first time through PayJoy. Being named among the world's top fintech companies reflects the scale and impact of that work." About PayJoy PayJoy expands credit access across emerging markets through point-of-sale financing and card offerings. Its proprietary secured-credit technology enables first-time borrowers to responsibly build financial stability and participate fully in the modern economy. Through its cutting-edge machine learning, data science, and anti-fraud AI, PayJoy has financed over $3.5 billion of loans to more than 20 million people and employs over 1,000 people worldwide. For more information, visit https://www.payjoy.com/ SOURCE PayJoy
PayJoy, a financial services provider in emerging markets, has appointed Iván Canales as Chief Revenue Officer. Canales will lead global revenue strategy, focusing on scaling growth and expanding into new geographies. Canales previously served as Country Manager of Nu Mexico, where he launched Nubank's first Mexican product and scaled the business to over 12 million customers. He helped transform the operation from a regulated microfinance institution into one of Mexico's most significant financial institutions. Before Nubank, Canales held leadership positions at BlackRock, Amazon Web Services, Credit Suisse and Merrill Lynch. He holds an MBA from Stanford Graduate School of Business and a bachelor's degree in computer science from Cornell University. PayJoy has financed over $3.5 billion in loans to more than 19 million people across nine countries.