Financial Analyst

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 Financial Analyst will support the existing finance and FP&A functions of the company, contributing to budgeting, forecasting, and financial reporting processes. You will collaborate closely with the finance and accounting teams to ensure accurate financial analysis and reporting in support of PayJoy's aggressive goals. This role requires strong analytical and forecasting skills to ensure healthy financial planning and operations control. 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 to model the value of future partnership opportunities. Collaboration with departments to gather data for financial analysis, included work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP, and Support operations in making payments to merchants and reconciling the transactions with accounting by helping with the assignment processes to the FIDC. Work closely with the superior to support ongoing daily functions. Qualifications Bachelor’s degree in Finance, Statistics, Economics or related studies. 1-2 years of experience in financial planning & analysis, budgeting, forecasting, and financial reporting, in a fast-paced, high-growth environment. Strong analytical mindset with a 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. Experience with Netsuite, PBCS/Hyperion is a plus. Benefits 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 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