The Role
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 is responsible for supporting FP&A functions, budgeting & forecasting, product profitability analysis and processes, and financial reporting to senior leadership.
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, included work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP, and Support 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.
- Eexperience 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 for employees and immediate family members
- Life Insurance
- Indefinite-term contract
- 20 days of vacations, 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 lunches
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
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.
