About PayJoyPayJoy is a mission-driven company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founded in 2015, PayJoy's "secret sauce" technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system. We reached profitability in 2020, reaching 10 million happy customers and over a billion dollars of sales in 2023.This RoleAs PayJoy continues to grow and expand in Latin America and globally, we are deepening our investments in anti-fraud to deliver the best possible prices to our customers. We are seeking a dedicated Fraud Prevention Specialist to join our fraud operations team in South Africa. This position plays a critical role in ensuring the integrity and security of our phone finance product by detecting, investigating, and preventing fraudulent activities. The ideal candidate will be responsible for monitoring transactions, analyzing fraud patterns, and implementing strategies to mitigate fraud risks, thereby protecting our customers and the company's financial assets.A successful candidate for this role will possess strong analytical skills, attention to detail, and the ability to think critically under pressure. They should be proactive, innovative, and capable of working independently as well as part of a team. Excellent communication skills and the ability to collaborate with cross-functional teams are essential for effectively addressing and resolving fraud-related issues.ResponsibilitiesMonitor and analyze transactions for potential fraudulent activity.Investigate and resolve reported fraud cases, ensuring timely and accurate documentation.Develop and implement fraud prevention strategies and procedures.Collaborate with the customer service and operations teams to address and mitigate fraud risks.Conduct regular fraud risk assessments and provide recommendations for improvement.Prepare and present detailed reports on fraud trends and prevention measures.Stay updated on the latest fraud techniques and industry best practices.Assist in training and educating team members on fraud prevention and detection.RequirementsBachelor's degree in Finance, Business Administration, or a related field.Minimum of 2 years of experience in fraud prevention, preferably within the financial services industry.Strong analytical and problem-solving skills.Proficiency in using fraud detection software and tools.Excellent communication and interpersonal skills.Languages: English.Desirable QualificationsProfessional certification in fraud examination (e.g., CFE).Experience with phone finance products or similar financial services.Familiarity with regulatory requirements and compliance standards in South Africa.Language: Any local languages in ZA.BenefitsHealth InsuranceLife insurancePension FundVacations 20 days$2,000 USD annual Coworking Travel Perk$2,000 USD annual Professional Development Perk$500 USD annual Fitness Perk$500 USD Phone Finance allowance$250 USD Home Office equipment allowance$200 USD Headphone allowancePayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.PayJoy PrinciplesFinance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed
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