The Role
Build and maintain SQL and Python-based financial reports, dashboards, and automated pipelines using warehouse data. Support month-end and year-end close through portfolio roll-forwards, charge-off, provisioning, depreciation, amortisation, and effective interest rate analyses. Reconcile warehouse outputs to the general ledger, investigate discrepancies, support audits, document report logic, monitor data quality, and provide portfolio and ad hoc analysis to accounting, FP&A, and management.
Summary Generated by Built In
About PayJoy
PayJoy, a Public Benefit Corporation, 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 card offerings, customers gain access to a modern quality of life. PayJoy’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.
This role
The Financial Analyst will work directly with PayJoy South Africa's data warehouse to build, maintain, and improve the
reporting that underpins the accounting function. The role bridges raw transactional and portfolio data with the financial
statements, working closely with accounting, financial reporting, and audit stakeholders to ensure that reports are
accurate, well-controlled, and delivered on time. This is a hands-on analytical role requiring strong SQL/Python skills and a
working understanding of accounting and lending concepts (e.g. amortisation, depreciation, charge-offs, provisioning).
reporting that underpins the accounting function. The role bridges raw transactional and portfolio data with the financial
statements, working closely with accounting, financial reporting, and audit stakeholders to ensure that reports are
accurate, well-controlled, and delivered on time. This is a hands-on analytical role requiring strong SQL/Python skills and a
working understanding of accounting and lending concepts (e.g. amortisation, depreciation, charge-offs, provisioning).
Responsibilities
- Extract, clean, and transform data from the company's data warehouse (via Hex, SQL, and Python) to produce recurring and ad hoc reports for the accounting and finance teams.
- Build and maintain reports that directly support month-end and year-end close, including portfolio roll-forwards, charge-off and write-off analysis, and provisioning/impairment schedules.
- Support depreciation and amortisation modelling for financed devices, including EIR (effective interest rate) calculations and reconciliation to accounting records.
- Assist with preparation of schedules and supporting documentation for internal and external audits, ensuring data lineage and calculations can be clearly explained and reproduced.
- Reconcile data warehouse outputs to the general ledger and investigate/resolve discrepancies in collaboration with the accounting team.
- Develop and maintain dashboards and automated reporting pipelines (Hex/Python) to reduce manual effort and improve accuracy and consistency of recurring reports.
- Document data sources, definitions, and report logic so that reports are auditable, repeatable, and understandable to non-technical stakeholders.
- Support portfolio analytics, including delinquency, MAU (monthly active user), and other KPI reporting used by finance and management.
- Respond to ad hoc data and analysis requests from accounting, FP&A, and management with accurate, well-documented outputs.
- Flag data quality issues in the warehouse and work with data/engineering teams to get them corrected at source.
Requirements
- Bachelor's degree in Finance, Accounting, Economics, Data Science, Statistics, or a related quantitative field.
- 1-3 years of experience in a financial analysis, reporting, or accounting-support role, ideally within financial services,
fintech, or a data-intensive environment. - Working knowledge of basic financial and accounting concepts (accruals, amortisation, depreciation,
provisioning/impairment, reconciliations). - Exposure to lending, credit, or asset-financing businesses is an advantage but not essential.
- Proficient in SQL for querying and manipulating data in a warehouse environment.
- Working proficiency in Python for data analysis (e.g. pandas) and report automation.
- Experience with Excel for financial modelling and analysis (formulas, pivot tables; VBA is a plus).
- Experience with Hex, or similar notebook/BI tools (e.g. Looker, Power BI, Tableau), is an advantage.
- Comfortable working with large, sometimes imperfect datasets, and able to reconcile data across systems.
- Strong analytical and problem-solving skills, with a methodical approach to investigating discrepancies.
- High attention to detail and accuracy, particularly given the reports feed into audited financial statements.
- Clear written and verbal communication skills, with the ability to explain technical/data concepts simply to accounting
and non-technical stakeholders. - Strong personal organisation, able to manage multiple deliverables and meet month-end/audit deadlines.
- A collaborative, ownership-driven mindset, comfortable working across finance, accounting, and data/engineering
teams. - Accounting team – primary internal customer for recurring reports and audit support.
- Finance/FP&A team – collaboration on forecasting, portfolio analytics, and management reporting.
- Data/engineering team – escalation point for data quality and warehouse issues.
- External auditors – as a source of supporting schedules and explanations during audit cycles (via the accounting team)
Benefits
- 100% Company Funded : Private Health Insurance for employee and immediate family
- Pension Fund
- Company-funded employee life and disability insurance
- 20 days vacation, unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone Finance, headphone benefit, home office equipment allowance and wellness perks
- Catered Lunch
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
Skills Required
- Bachelor's degree in Finance, Accounting, Economics, Data Science, Statistics, or a related quantitative field
- 1-3 years of experience in financial analysis, reporting, or accounting support
- Working knowledge of accruals, amortisation, depreciation, provisioning or impairment, and reconciliations
- Proficiency in SQL for querying and manipulating warehouse data
- Working proficiency in Python for data analysis and report automation
- Experience with Excel financial modelling, formulas, and pivot tables
- Experience working with large, imperfect datasets and reconciling data across systems
- Strong analytical and problem-solving skills
- High attention to detail and accuracy for audited financial reporting
- Clear written and verbal communication skills
- Strong personal organisation and ability to meet month-end and audit deadlines
- Collaborative, ownership-driven approach across finance, accounting, and data or engineering teams
- Exposure to lending, credit, or asset-financing businesses
- Experience with Hex or similar notebook or BI tools such as Looker, Power BI, or Tableau
- VBA experience
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
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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.
