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 Capital Markets Analyst is responsible for assisting in the negotiation, documentation, and implementation of international credit facilities, managing relationships with lenders, ensuring compliance across PayJoy’s markets, and performing financial analysis to support funding strategies and expansion efforts offering significant growth potential.
Responsibilities
- Support PayJoy’s funding strategy, managing portfolios across several countries worldwide, while driving expansion into new markets in Latin America, Africa, and Asia.
- Streamline day-to-day operating activities for all investor cash related cash flows, ensuring compliance with investor requirements in collaboration with Treasury, Finance, and Portfolio Management teams.
- Maintain strong relationships with current and prospective lenders, ensuring clear communication regarding portfolio performance, covenant compliance, business updates and due diligence processes.
- Perform in-depth modeling and analysis of the loan portfolio to identify risks and opportunities, ensuring funding strategies align with Payjoy’s growth objectives.
- Support senior leadership in key corporate finance projects such as industry and market research, regulatory compliance, risk management, and collateralization structuring for expansion into new markets.
- Collaborate with Risk and Engineering teams to support the build and management systems to automate back-end processes for investors.
Qualifications
- Based in Mexico City and available to work at our office 3 days per week.
- 1 - 3 years of experience in capital markets, investment banking, corporate finance, or similar roles.
- Experience in fintech is a plus.
- Intermediate SQL is mandatory
- Analytical skills with proficiency in Excel, Google suite and other financial tools.
- Familiarity with debt instruments, asset-backed financing, and credit analysis.
- Ability to handle multiple projects simultaneously in a fast-paced environment.
- Strong interpersonal skills with the ability to work globally across teams.
- Excellent communication and presentation skills.
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.
