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 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
This is your opportunity to be the Financial Analyst for PayJoy South Africa. You will oversee the FP & A functions, budgeting & Forecasting, product profitability analysis and processes. The successful candidate will understand the business and help set processes that will enable us to scale, anticipating issues and thinking ahead of what will be needed to support business growth. This person will report directly to the Head of Finance SA.
Responsibilities
- Coordinate annual and long range plans, and publish monthly reporting of KPIs and financials against these plans.
- Perform quarterly and monthly forecasting.
- Manage expense budgets for SA.
- Set financial processes to support PayJoy SA in scaling. Coordinate with the operations team, business development team and accounting team to achieve this.
- Assist in managing treasury function, including set right controls for payments and transfers.
- Help with month end close and partner reconciliation.
- Perform financial profitability analysis of products.
- Develop business cases and expected profitability for all initiatives done in SA and the rest of Africa.
- Assist Head of Finance SA with daily functions.
Required Qualifications
- Bachelor’s degree in Finance, Statistics, Economics or related studies.
- 3-5 years financial experience in FP&A.
- Demonstrated ability in driving forecasts and budgeting processes and IFRS understanding.
- Strong problem solver and critical thinker, clearly synthesis and communicate financial terms to senior leaders.
- Advanced knowledge of excel and other data analysis software.
Benefits
- Health Insurance
- Life insurance
- Pension Fund
- Vacations 20 days
- $2,000 USD annual Coworking Travel Perk
- $2,000 USD annual Professional Development Perk
- $500 USD annual Fitness Perk
- $500 USD Phone Finance allowance
- $250 USD Home Office equipment allowance
- $200 USD Headphone allowance
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
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.
