Financial Analyst

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Pay Joy 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 Pay Joy’s point‑of‑sale financing and credit cards, customers gain access to a modern quality of life. Pay Joy’s credit also allows our customers to seize opportunities as micro‑entrepreneurs, and provide safety acts as insurance for tough times.

Through our cutting‑edge machine learning, data science, and anti‑fraud AI, we have served over 17 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 processes, and financial reporting to senior leadership.

• Assist in budgeting, forecasting, variance analysis processes and modeling in support of Pay Joy’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, 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.

• 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 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.

• 100% Company‑funded Health and Life Insurance for employees and immediate family members
• Indefinite‑term contract
• 20 days of vacations
• $2,000 USD annual Co‑working Travel perk
• $2,000 USD annual Professional Development perk
• $500 USD Phone finance with PJ
• $250 Wellness
• $250 WFH

Pay Joy 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.

• Finance for the next billion
• Ownership
• Break Through Walls
• Live Communication
• Transparency & Directness
• Focus on Scale
• Work‑Life Balance
• Embrace Diversity
• Speed
• Active Listening

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Entry level

Full‑time

Finance and Sales