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 is responsible for assisting business operations by extracting and analyzing data, developing reports on the performance measuring objectives and KPIs, using BI and SQL tools.
Key Responsibilities
- Analyze sales performance data to present data-driven reports and recommendations that guide the decision-making and actions of the sales team, using graphics, visualizations, and other effective means to communicate findings clearly and concisely. Conduct in-depth market research and competitive analysis to identify trends, opportunities, and threats.
- Filter and analyze data in a consistent and scalable way, working with a large volume of data to build a solid foundation for decision making with calculated risks - even knowing that not all the answers are in the data and/or that not all the data you would like is available.
- Collect information to find improvement opportunities, including monitoring the impact of training.
- Make recommendations on how to improve results based on data analysis and a deep understanding of how our product and processes work.
- Measure the performance of internal sales areas (KPI's, KBI's, KKI's and KSI's)
- Analyze marketing campaign performance, including website traffic, lead generation, customer acquisition costs, and customer engagement.
- Analyze the effectiveness of sales enablement programs, sales promotions and incentives
- Manage multiple requests and prioritize report generation.
Requirements
- Associate's degree in Industrial Engineering, Business Administration, Finance, or Data analytics
- 2+ years in Data analysis for Sales or Marketing areas. Finance and Startup experience is a plus.
- High capacity for organization, communication and relationships
- Analytical thinking and Problem-solving skills to analyze data, identify inefficiencies and propose data-driven solutions for improvement and to work with large and complex datasets
- Ability to adapt quickly to changes in the work environment and priorities and to adapt to learn new processes, concepts, and skills.
- Intermediate knowledge of SQL, Data visualization software (Power BI, Looker, Tableau) excel and google sheets skills
- Office base is Taguig, Metro Manila, Philippines
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.
