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
The Finance Director will play a pivotal role in the financial leadership of PayJoy. This executive will be responsible for overseeing all financial operations, ensuring the company's financial health, and driving strategic financial planning.
The ideal candidate will have extensive experience in the financial sector, with a strong background in accounting, capital markets, and financial planning.
Responsibilities
- Financial Leadership:
- Provide strategic financial guidance to the Country Manager and the executive team to meet financial targets and improve margins and return on invested capital.
- Develop and implement financial strategies to support the company's growth and profitability objectives.
- Be accountable for the country’s financial performance and cash management, including budgeting, forecasting, and financial reporting, with dotted line management of accounting, internal controls, accounts payable, and tax..
- Accounting & Compliance:
- Work closely with PayJoy Mexico’s accounting team to ensure accurate and timely financial reporting in compliance with GAAP, IFRS, and other relevant regulations.
- Help to oversee internal controls and audit processes to ensure financial integrity and compliance.
- Help to manage relationships with external auditors, investors, regulatory bodies, and other stakeholders.
- Capital Markets:
- Develop and maintain relationships with investors, analysts, and financial institutions.
- Monitor the company's capital structure and optimize capital allocation.
- Financial Planning & Analysis:
- Lead the financial planning and analysis function to support strategic decision-making.
- Oversee the development of financial models, forecasts, and performance metrics.
- Provide insights and recommendations based on financial analysis to drive business performance.
- Team Leadership:
- Build and lead a high-performing finance team.
- Foster a culture of continuous improvement, innovation, and excellence.
- Provide mentorship and professional development opportunities to finance team members.
Qualifications
- Bachelor’s degree in Finance, Accounting, or a related field; MBA or CPA preferred.
- Minimum of 10 years of experience in a senior financial leadership role, preferably within the fintech or financial services industry.
- Strong knowledge of accounting principles, capital markets, and financial planning.
- Proven track record of strategic financial management and capital raising.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong communication and interpersonal skills, with the ability to collaborate effectively with executive leadership and stakeholders.
- Experience in a multinational environment is highly desirable.
Benefits
- Company-funded Health and Dental Insurance for employees and immediate family members
- Life insurance
- 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 Coworking Travel allowance
- $2,000 USD annual Professional Development allowance
- $500 USD annual Fitness allowance
- $500 USD Phone Finance allowance
- $250 USD Home Office equipment allowance
- $200 USD Headphone allowance
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.
