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 Financial Analyst is responsible for supporting FP&A functions, budgeting & forecasting, product profitability analysis and processes, and financial reporting to senior leadership.
Key responsibilities
- Assist in budgeting, forecasting, variance analysis processes, and modeling in support of PayJoy’s aggressive goals.
- Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation.
- Prepare monthly, quarterly, and annual financial reports for management, including evaluating financial performance by comparing actual results with budgets and forecasts, and other financial metrics.
- Support to model the value of future partnership opportunities.
- Collaboration with departments to gather data for financial analysis, including working closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP, and supporting operations in making payments to merchants and reconciling the transactions with accounting by helping with the assignment processes to the FIDC.
- Work closely with the superior to support ongoing daily functions
Qualifications
- Bachelor’s degree in Finance, Statistics, Economics or related studies.
- 1-2 years of experience in financial planning & analysis, budgeting, forecasting, and financial reporting, in a fast-paced, high-growth environment.
- Strong analytical mindset with a keen attention to detail, a proactive approach to problem-solving, and forecasting skills to ensure healthy financial planning and operations control.
- Understanding of corporate finance, accounting principles, and financial reporting standards (GAAP, NIF).
- Advanced knowledge of Excel, Google Suite, and data analysis software. Experience with NetSuite, PBCS/Hyperion is a plus.
Benefits
- 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
- Life insurance.
- Phone finance, Headphone, home office equipment and fitness perks.
- 30 days of Christmas bonus
- 20 days paid Vacation
- 50% Vacation premium
- 13% Saving funds
- $2,000 MXN monthly grocery coupons
- $2,000 MXN monthly restaurant coupons
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development 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
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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.
