PayJoy is hiring a Risk Analyst in Mexico who will help us scale PayJoy’s point of sale phone finance lending portfolio in LATAM, and other global markets. The right candidate will be self-driven, ambitious, and data driven, looking to have a big impact at a fast growing startup. The right candidate will also be deeply motivated by PayJoy’s mission to empower the next billion smartphone users.
As Risk Analyst you will use PayJoy’s data warehouse to build analysis, policy recommendations, and dashboards that optimize risk outcomes across PayJoy’s portfolio of credit products and countries. In addition to building datasets and dashboards you will be focused on defining actionable next steps that improve product profitability and risk KPIs. You will work directly with and provide data leadership for a broad set of teams including: Executives, Product, Engineering and Go to Market.
Responsabilities:
- Use SQL and R or Python to extract and manipulate data underpins your recommendations (we are very data-driven).
- Make actionable recommendations about how to improve outcomes based on your analysis.
- Work closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes..
- Create dashboards that measure performance of credit portfolios, new product pilots and A/B tests.
- Write succinct and thoughtful documentation that explains your analysis and recommendations.
Qualitifacions:
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar
- +2 years of experience in rigorous analytical/empirical role
- Strong general analytical and problem-solving skills
- Mastery of SQL
- Proficiency in Python or R
- Understanding of statistical tools and methods, and experience working with large data sets.
- Consumer finance experience 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 wellness perks.
- 30 days of Christmas bonus.
- 20 days paid Vacation.
- 50% Vacation premium.
- 13% Saving funds.
- $2,000 MXN monthly grocery coupons.
- $2,000 USD annual Co-working Travel perk.
- $2,000 USD annual Professional Development perk.
Skills Required
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering, or a similar field
- At least 2 years of experience in a rigorous analytical or empirical role
- Strong analytical and problem-solving skills
- Mastery of SQL
- Proficiency in Python or R
- Understanding of statistical tools and methods
- Experience working with large datasets
- Consumer finance 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.
PayJoy Insights
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.
