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 Senior Analyst will spearhead the optimization of our financial operations, playing a crucial role in ensuring high efficiency, low cost, and scalability. This role is pivotal in introducing new processes, reducing exceptions across markets, building standardized processes and enhancing overall financial management. The ideal candidate will possess a strong background in financial management, exceptional problem-solving skills, and the ability to drive change across global teams. This individual must be a builder, capable of working beyond what’s expected, and driven to seek innovative solutions that elevate our financial operations. Creativity, proactive thinking, and a strategic mindset are essential to succeed in this dynamic role. The Senior Analyst will collaborate closely with various stakeholders, including the product team, local merchant operations, and GTM leaders, to optimize and streamline financial processes, ensuring data accuracy and maintaining efficient payment systems.
Responsibilities
- Lead and mentor the financial operations team, promoting excellence and continuous improvement.
- Collaborate with senior leadership to align financial strategies with organizational goals.
- Work with product teams to implement automated systems and reduce manual tasks.
- Identify innovative solutions for process automation and standardization to boost efficiency.
- Develop and manage a robust reconciliation process with partners for accurate financial records.
- Regularly review and improve reconciliation practices to maintain compliance and accuracy.
- Use advanced reporting tools for transaction breakdowns and to resolve our partners payment issues.
- Ensure clear and accurate financial reporting to support decision-making.
- Design and optimize localized payment process flows to ensure accuracy and efficiency.
- Ensure all financial data is accurately recorded.
- Utilize intermediate to advanced SQL skills to maintain up-to-date financial records.
- Continuously seek innovative solutions to improve financial processes.
- Partner with local merchant operations and GTM leaders to optimize financial workflows.
- Foster strong cross-functional communication to support financial initiatives and drive change.
- Lead projects to enhance financial operations, managing timelines, budgets, and stakeholder coordination to ensure successful completion.
Requirements
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
- Intermediate-Advanced SQL skills.
- Extensive experience in financial operations management, with a proven track record of success.
- Strong leadership and team development skills, with the ability to inspire and motivate.
- Exceptional analytical and problem-solving abilities.
- Proficiency with financial systems and databases
- Excellent communication and interpersonal skills.
- Ability to manage cross-functional teams and drive operational improvements.
- Knowledge of local tax laws and fiscal regulations is highly preferred.
- Creativity and innovation in solving complex financial problems.
Benefits
- Local benefits will change according to the candidate location
- $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.
