The Role
Use SQL and R/Python to analyze credit portfolio data, create dashboards, recommend policies to optimize risk and profitability, and collaborate with Data Science on ML/AI models.
Summary Generated by Built In
About PayJoy
PayJoy 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 Risk Analyst is responsible for using data warehouses to build analysis, policy recommendations, and dashboards that optimize risk outcomes across portfolios of credit products and countries, in order to improve product profitability and risk KPIs.
Responsibilities
- 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.
Requirements
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field.
- +2 years of experience in a rigorous analytical/empirical role.
- Strong general analytical and problem-solving skills.
- Mastery SQL, Python and other tools for Data Analysis.
- 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
- 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
Top Skills
AI
Data Warehouses
Machine Learning
Python
R
SQL
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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.
