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 Legal & Compliance Manager is responsible for ensuring PayJoy's adherence to applicable laws, regulations and internal policies, ensure contractual corporate obligations are met and draft and revise contracts, oversee company's intellectual property, support litigation, and meeting evolving legal and regulatory standards in financial regulatory compliance, licensing, and engagement with regulatory authorities.

Responsibilities

Design, implement, and maintain AML/CFT frameworks aligned with local and global regulations (e.g., OJK, LFPORPI, FATF, BSA/Patriot Act, OFAC).
Lead end-to-end KYC/KYB processes, including onboarding, re-identification, and remediation.
Oversee transaction monitoring, risk ratings, and customer screening; supervise CDD/EDD reviews, investigations, and SAR reporting.
Ensure products and business practices comply with applicable laws; partner with Product and Engineering to enable compliant, scalable solutions.
Conduct regulatory risk assessments and ensure alignment with financial services, consumer protection, and market conduct requirements.
Draft, review, and negotiate commercial agreements (vendors, partners, customers, NDAs).
Manage the company's IP portfolio in coordination with external counsel.
Supervise and coordinate external law firms to ensure high-quality, compliant legal support.
Serve as the appointed Compliance Officer and lead engagement with regulators, particularly OJK, including regulatory reporting, filings, audits, and inspections.
Monitor and interpret OJK regulations (POJK/SEOJK) and drive timely implementation across the organization.
Build and maintain strong relationships with OJK and represent the company in regulatory meetings, inquiries, and industry engagements.
Advise leadership on regulatory strategy, licensing, and emerging regulatory risks in Indonesia.
Support the Legal & Compliance Manager (Asia) in executing regional compliance initiatives and ensuring alignment with broader Asia frameworks.
Contribute to regional projects such as policy harmonization, cross-border regulatory assessments, and implementation of group-wide standards.
Support global Legal and Compliance initiatives, including rollout of global policies, frameworks, and cross-jurisdictional projects, ensuring local alignment and execution in Indonesia.
Perform other legal and compliance duties as may be assigned from time to time.

Requirements

Bachelor's degree in Law.
More than 5 years of experience in legal departments of financial services or related, with compliance (AML/Data Protection) experience.
In-depth knowledge of local financial regulations and global fintech regulatory trends.
Strategic thinking and strong problem-solving skills; ability to navigate ambiguity and build structure.
High proficiency in data analysis for operational performance and compliance trends.
Strong interpersonal and executive communication skills.
Compliance experience (Preferred)

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, Headphone, home office equipment and wellness perks.
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
$500 Wellness Allowance
Free lunch

PayJoy 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 Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Legal and Compliance Manager