Legal and Compliance 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 Legal & Compliance Analyst is responsible for support implementation and execution of compliance controls related to local regulatory obligations and PayJoy programs, by reviewing and drafting documents and contracts, addressing routine legal and compliance queries, and ensuring efficient support to meet operational and regulatory needs in alignment with the company’s objectives. Responsibilities Monitor and interpret local regulations to ensure the company adheres to applicable laws and avoids non-compliance risks. Prepare, review, and update contracts, agreements, and other legal documents to safeguard the company’s interests. Respond to routine legal and compliance inquiries from internal stakeholders, providing clear and accurate guidance. Assist in designing, implementing, and monitoring compliance initiatives to align with corporate policies and local regulations. Identify and address potential legal and regulatory risks, proposing solutions to reduce impact on operations. Work closely with other departments to ensure alignment on compliance and legal requirements in day-to-day activities and strategic projects. Qualifications Bachelor’s degree in Law. At least 2 years of internship experience in legal (Corporate Lawyer) and/or compliance roles. Strong legal reasoning and analytical skills. Experience in Internal and external audits Strong teamwork skills, a proven ethical record, and the ability to work with key objective metrics. Benefits 100% Company-funded health insurance for employee and immediate family Company-funded employee life and disability insurance Paid vacation days, 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