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
PayJoy is seeking a Senior Portfolio Manager to join our Portfolio Management team. This senior role sits at the analytical and strategic core of our portfolio operations, providing quantitative oversight across asset valuation, fund management, and investor and lender data requests.
You will work closely with the Asset Valuation Manager and Portfolio Manager, serving as the senior analytical lead who integrates financial data, drives rigorous quantitative analysis, and ensures the integrity of performance reporting across our portfolio.
The ideal candidate brings deep experience in financial modeling, capital markets, and data-driven decision-making, and is motivated by PayJoy's mission to expand financial inclusion.
Responsibilites
- Quantitative Portfolio Oversight: Provide senior quantitative oversight across portfolio operations, including asset valuation reviews, back-testing validation, and financial model governance.
- Asset Fund Management: Lead the management and strategic oversight of PayJoy's asset fund, monitoring fund performance, tracking covenant adherence, and ensuring alignment with capital and risk targets.
- Contract Allocation Oversight: Oversee the allocation of contracts and manage the auto-allocation tool, ensuring efficient, accurate, and scalable operations.
- MTM Data Integration: Lead the integration of Mark-to-Market (MTM) data into internal systems, implementing best practices for data accuracy, consistency, and process optimization.
- Investor & Lender Relations: Act as primary analytical liaison for investors and lenders, managing data requests and delivering timely, accurate, and well-structured reporting packages.
- Centralization of Investor Information: Collaborate with internal stakeholders to centralize and standardize information shared with investors, ensuring consistency and accessibility across the organization.
- Compliance & Performance Monitoring: Ensure compliance with lender reporting requirements and monitor asset performance through direct stakeholder communication and proactive covenant tracking.
- Strategic Analysis & Reporting: Conduct deep-dive analyses of financial trends, portfolio performance metrics, and risk exposures, generating strategic reports that support senior management decision-making.
- Cross-Functional Financial Planning: Partner with Risk and FP&A teams to align financial planning initiatives with portfolio risk assessments and forecasts.
Qualifications
- Bachelor's degree in Finance, Economics, Mathematics, or a related field; Master's degree preferred.
- 6+ years of experience in financial analysis, portfolio management, or capital markets.
- Strong proficiency in Python and SQL for quantitative modeling, data analysis, and process automation.
- Demonstrated experience in asset valuation, financial modeling, or fund management.
- Deep understanding of financial instruments, capital markets structures, and regulatory compliance.
- Proven ability to manage complex, cross-functional financial processes and lead analytical initiatives.
- Excellent written and verbal communication skills in English; ability to present complex findings clearly to senior stakeholders.
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
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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.
