Responsabilities:
- Oversee performance and profitability of 1 or 2 portfolios.
Prepare internal reports and analysis for review by head of risk strategy.
Document routine processes and provide support for strategy reviews.
Ensure timely achievement of KPIs for the specific countries.
Coordinate with GTM teams when rolling out new strategies
Write succinct and thoughtful documentation that explains recommendations
Use SQL and R or Python for data extraction and manipulation.
Work with Data Science to implement ML and AI models.
Use A/B Test recommendations into policies
Write detailed documentation explaining recommendations.
Own and manage risk KPIs for designated portfolios.
Qualitications:
Experience in risk strategy ideally within the fintech industry.
Proven track record in analytics
Understanding of statistical tools and methods, and experience working with large data sets.
Proficiency in SQL, R, or Python.
Strong documentation and communication skills, capable of presenting complex information to key stakeholders.
Advanced Data Analysis: Expertise in using SQL, R, or Python to extract and manipulate data, create models, perform analysis, and generate forecasts.
Risk Modeling: Proficient in developing and implementing predictive models to manage and mitigate risk.
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
- Proven track record in analytics
- Understanding of statistical tools and methods
- Experience working with large data sets
- Proficiency in SQL, R, or Python
- Strong documentation and communication skills, including presenting complex information to key stakeholders
- Advanced data analysis skills using SQL, R, or Python for data extraction, manipulation, modeling, analysis, and forecasting
- Risk modeling experience, including developing and implementing predictive models to manage and mitigate risk
- Experience in risk strategy, ideally within the fintech industry
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.
