The Role
Support FX derivatives back-office operations including documentation, settlement support, maturity tracking, and reconciliation in Kyriba and internal trackers. Maintain hedge documentation and effectiveness evidence, support SOX treasury controls, standardize processes and SOPs, and assist banking controls (access reviews, token management, beneficiary validations, account documentation) to mitigate operational and fraud risk.
Summary Generated by Built In
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 Treasury Back Office Analyst will be responsible for supporting foreign exchange risk management strategy through the administration and control of FX hedging instruments, by ensuring accurate management of the operations for derivatives, strong general treasury controls (SOX), and alignment with internal treasury policies and SOPs; by coordinating closely with Finance, Accounting, and banking partners, the position contributes to effective risk mitigation, financial stability, and scalable treasury operations across the organization.
Responsibilities
- Support all FX derivatives back-office activities through documentation organization, settlement support, and maturity tracking.
- Maintain and organize derivative documentation: bank confirmations, hedge memos, hedge designations, hedge effectiveness; ensuring completeness and traceability.
- Update and reconcile Treasury Systems & Trackers as FX derivatives data in Kyriba and internal trackers to ensure consistency and accuracy.
- Support SOX-related treasury controls, including segregation of duties, approval workflows, evidence retention, and periodic control reviews.
- Support the standardization and continuous improvement of treasury processes, internal policies, controls, and SOPs.
- Support banking controls such as bank user access reviews, token management, beneficiary validations, and bank account documentation to mitigate fraud and operational risk.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Basic exposure or interest in treasury, FX, or financial operations.
- General understanding of foreign exchange and derivative instruments.
- Strong attention to detail, organization skills, and willingness to learn structured processes and controls.
- Ability to work with documentation, follow procedures, and support control activities.
- Familiarity with treasury management systems (Kyriba).
- Basic knowledge or exposure to Bloomberg or other market data platforms.
- Exposure to internal controls or SOX environments.
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
Skills Required
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field
- Basic exposure or interest in treasury, FX, or financial operations
- General understanding of foreign exchange and derivative instruments
- Strong attention to detail, organization skills, and willingness to learn structured processes and controls
- Ability to work with documentation, follow procedures, and support control activities
- Familiarity with treasury management systems (Kyriba)
- Basic knowledge or exposure to Bloomberg or other market data platforms
- Exposure to internal controls or SOX environments
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.
