Financial Analyst

Position Overview

PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets 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 credit cards, customers gain access to a modern quality of life. Additionally, PayJoy’s credit allows customers to seize opportunities as micro-entrepreneurs and provides safety as a form of insurance during tough times. Using advanced machine learning, data science, and anti-fraud AI, PayJoy has served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth. The Financial Analyst is responsible for supporting FP&A functions, budgeting & forecasting, product profitability analysis, and financial reporting to senior leadership.

Key Responsibilities

• Assist in budgeting, forecasting, variance analysis processes and modeling in support of PayJoy's aggressive goals.
• Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation.
• Prepare monthly, quarterly, and annual financial reports for management, including evaluating financial performance by comparing actual results with budgets and forecasts, and other financial metrics.
• Support modeling the value of future partnership opportunities.
• Collaborate with departments to gather data for financial analysis, including working closely with the accounting team to reconcile Local GAAP versus US GAAP and assisting with the transaction reconciliation process for the FIDC.
• Work closely with the superior to support ongoing daily functions.

Required Qualifications

• Bachelor's degree in Finance, Statistics, Economics or related studies.
• Experience in financial planning & analysis, budgeting, forecasting, and financial reporting in a fast-paced, high-growth environment.
• Strong analytical mindset with keen attention to detail, a proactive approach to problem-solving, and forecasting skills to ensure healthy financial planning and operations control.
• Understanding of corporate finance, accounting principles, and financial reporting standards (GAAP, NIF).
• Advanced knowledge of Excel, Google Suite, and data analysis software.

Preferred Qualifications

• Experience with Netsuite, PBCS/Hyperion is a plus.

Benefits & Perks

• 100% Company-funded Health for employees and immediate family members
• Life Insurance
• Indefinite-term contract
• 20 days of vacations, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone finance, headphone benefit, home office equipment allowance and wellness perks
• Catered lunches