Regulatory Affairs Officer

About Pay Joy

Pay Joy 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 Pay Joy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. Pay Joy’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.

The Regulatory Affairs professional will lead Pay Joy Indonesia’s interactions with regulatory authorities, ensure compliance with Indonesian financial services regulations, and support the safe and responsible growth of Pay Joy’s credit products in Indonesia’s evolving fintech landscape.

• Ensure full compliance with OJK, Bank Indonesia, and all relevant financial services regulations.
• Monitor and interpret regulatory changes that may impact Pay Joy’s products, operations, or secured-credit technology.
• Prepare and manage regulatory reports, documentation, and licensing requirements.
• Advise leadership and internal teams on regulatory obligations and compliance risks.
• Build strong relationships with regulatory bodies such as OJK, Bank Indonesia, and Kominfo.
• Represent Pay Joy in regulatory meetings, consultations, and industry discussions.
• Identify regulatory and operational risks and recommend mitigation measures.
• Develop and update internal compliance policies and frameworks.
• Support internal audits and compliance reviews.
• Work closely with cross-functional teams to ensure products align with regulatory requirements.
• Provide internal training on regulatory updates and compliance matters.
• Collaborate with global and regional teams on regulatory best practices.

• Bachelor’s degree in Law, Business, Public Policy, or related field.
• Strong understanding of Indonesian financial services regulations.
• Minimum 10 years of experience in regulatory, compliance, or legal roles within fintech, banking, financing, or credit.
• Experience engaging with regulatory or government institutions.
• Strong analytical skills and attention to detail.
• Effective communication skills with regulators and internal stakeholders.
• Proactive and able to anticipate compliance risks.
• Experience in consumer finance, digital lending, alternative credit scoring, or secured-credit models.
• Knowledge of digital onboarding, AI-driven risk models, data privacy, and consumer protection regulations.
• Comfortable working in a fast-growing, mission-driven fintech environment.

• 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

Pay Joy 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.

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