The Role
The Finance Manager at PayJoy will handle budgeting, forecasting, financial modeling, and reporting to guide business decisions, ensuring financial stability.
Summary Generated by Built In
About PayJoy
PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Finance Manager is responsible for the process of planning, budgeting and forecasting, scenario modeling, and performance reporting to help PayJoy make informed business decisions and sustain good financial health.
Responsibilities
- Make the annual budgeting, monthly/quarterly forecasting, and long-range financial planning processes, including variance analysis and management reporting of the country.
- Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation.
- Work closely with business leaders to align financial forecasts with operational objectives and market trends.
- Collaborate with cross-functional teams to gather relevant information for financial analysis.
- Provide ad hoc financial analysis to support key business decisions.
- Assist in the evaluation of potential investments, mergers, and acquisitions in the country.
- Work closely with the accounting team to gather financial information, assist with the reconciliation of Local GAAP versus US GAAP, support the closing, audit process and reconciling the transactions of the payments to merchants.
- Create local dashboards providing real-time insight into KPIs and other financial metrics, reporting locally and to headquarters in the USA.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, IT, or related field.
- 5+ years of experience in financial planning & analysis, budgeting, forecasting, and financial reporting, at leading consultancy, financial institutions or fintech.
- Advanced knowledge of financial modeling and analysis techniques. Strong understanding of corporate finance, accounting principles, and financial reporting standards (GAAP).
- Excellent communication and presentation skills, with the ability to work cross-functionally and influence stakeholders.
- Strong analytical mindset with a keen attention to detail and a proactive approach to problem-solving.
- Ability to manage multiple projects and prioritize tasks in a fast-paced environment.
- A strong analytical toolkit that makes use of business intelligence and reporting software, beside google suite.
- Experience with Netsuite, PBCS/Hyperion is a plus.
Global Benefits:
$2,000 USD annual International Coworking Travel Perk
$2,000 USD annual Professional Development Perk
$500 USD annual Wellness 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
Top Skills
Google Suite
Hyperion
NetSuite
Pbcs
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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.
