About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
As a Finance Analyst you will be reporting to the Finance Manager and support the existing finance and FP&A functions of the company. You will provide support to the finance team’s efforts in managing and servicing existing debt investors.
This role requires strong analytical and forecasting skills to ensure healthy financial planning and operations controls.
Responsibilities
- Work closely with the Finance Manager to support ongoing and ad-hoc analysis and modeling in support of PayJoy’s aggressive goals.
- The role will have straight contact with the FP&A team in the US.
- Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation.
- Provide periodic KPI reporting to headquarters in USA.
- Work closely with the regional Country Managers to model the value of future partnership opportunities.
- Support company-wide budgeting processes including monthly budget vs. actuals analysis of operating and non-operating cash flows.
- Run distribution calculations for principal and interest for multiple debt facilities.
- Create local dashboards providing real-time insight into KPIs and other financial metrics.
- Work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP.
- Support Capital Markets team to raise funding to leverage the portfolio
- Search for opportunities to optimize the use of cash and improve profitability
- Implement better controls to process payments to merchants and vendors
Qualifications
- Bachelors in Finance, Accouting, Economy, Business Administration or Engineering with more than 2 years experience.
- MBA is a plus
- Excellent Excel modeling skills, Google Sheets experience is a plus.
- Knowledge in PowerPoint and Google Presentations
- Experience with Netsuite is a plus.
- Prior experience at leading consultancy, financial institutions or fintech is a plus.
- Languages: English is mandatory
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
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.
