The Role
About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Business Analyst will be responsible for analysing complex data sets, developing reports and translating them into actionable insights, enhancing operational efficiency and driving strategic initiatives.
Responsibilities
- Analysing, interpreting and transform raw data into actionable insights
- Gathering business requirements, collecting and cleaning data, developing visualisations and reports, identifying trends and patterns, collaborating with stakeholders, and tracking KPIs.
- Developing dashboards, reports, and visualisations to create interactive and visually appealing representations of data that facilitate easy comprehension.
- Identifying trends and patterns in the data is essential for providing actionable recommendations. Detect correlations, anomalies, and emerging trends that might impact the business.
- Ensure data accuracy, reporting integrity, and overall quality. Establish best practices for data governance and verification processes to maintain high standards of data quality, which is essential for building trust in the insights generated.
- Track KPIs and measure performance by establishing relevant KPIs and creating systems for ongoing performance measurement.
Skills & Qualifications
- Degree in Business or related discipline.
- Proficiency in BI tools such as Power BI, Tableau, and Looker is paramount.
- Solid understanding of SQL and databases is crucial
- 3+ Years Experience
- Analytical thinking and soft skills like communication and collaboration are also critical.
- Strong communication and presentation skills are necessary to convey insights clearly and compellingly.
- A problem-solving mindset is equally important
Benefits
- Health Insurance - Company funded for employee and immediate family.
- Life insurance - Company funded
- Pension Fund - Company funded
- Vacations 20 days
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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
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The Company
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.
Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
