Where is the Merchant Operations Supervisor role at Payjoy located?

The Merchant Operations Supervisor position at Payjoy is based in Panama City. This is an on-site position.

What type of employment is the Merchant Operations Supervisor role at Payjoy?

The Merchant Operations Supervisor position at Payjoy is a Full time role.

What experience is required for the Merchant Operations Supervisor role at Payjoy?

The Merchant Operations Supervisor position at Payjoy requires 3+ yrs exp.

What skills are required for the Merchant Operations Supervisor role at Payjoy?

Key skills for the Merchant Operations Supervisor position at Payjoy include: machine learning, sql.

Merchant Operations Supervisor — Payjoy

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

The Merchant Operations Supervisor will oversee and optimize merchant-related processes to ensure seamless operations, drive merchant engagement, and improve overall performance. This role requires strong leadership, analytical skills, and a deep understanding of merchant support, logistics, and operational excellence. The ideal candidate will have experience managing highly skilled professionals and fostering a high-performance culture.

Responsibilities

Merchant Support & Performance Management: Supervise merchant operations, ensuring efficient onboarding, training, and ongoing support.

Process Optimization: Develop and refine operational processes to improve merchant efficiency, reduce friction, and enhance partner experience.

Data Analysis & Reporting: Monitor key performance metrics, analyze trends, and provide actionable insights to improve merchant performance.

SQL Reporting: Create and maintain reports using SQL to extract and analyze data for operational insights and decision-making.

Cross-Functional Collaboration: Work closely with sales, product, and customer support teams to align merchant operations with business goals.

Compliance & Risk Management: Ensure adherence to company policies, regulatory requirements, and risk mitigation strategies.

Issue Resolution: Act as the escalation point for merchant-related issues, troubleshooting problems and implementing solutions promptly.

Training & Development: Conduct training sessions and create resources to enhance merchant understanding of PayJoy’s products and processes.

Team Leadership: Lead and mentor a team of highly skilled professionals, fostering an environment of accountability, innovation, and excellence.

Identify potential risks in processes and work with the finance and accounting team to provide optimal solutions.

Provide financial insights to stakeholders and decision makers.

Requirements

Bachelor's degree in Business, Operations, or a related field.

3+ years of experience in merchant operations, retail operations, or a related role.

Strong leadership skills with experience managing highly skilled professionals.

Proficiency in SQL for data extraction and reporting.

Proficiency in data analysis tools and reporting.

Excellent problem-solving and communication skills.

Ability to thrive in a fast-paced, dynamic environment.

Experience in fintech, retail finance, or mobile device financing is a plus

Advanced oral and written English skills.

Benefits

100% Company-funded Health and Dental Insurance for employees and immediate family members

Life insurance

Vacations 30 days

Phone finance, Headphone, home office equipment and wellness perks.

$2,000 USD annual Co-working Travel perk

$2,000 USD annual Professional Development perk

Catered lunches

Merchant Operations Supervisor

Job description