D2C Analytics and Insights Manager

Location: Bogota

About Pay Joy

Pay Joy, 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 Pay Joy's point-of-sale financing and card offerings, customers gain access to a modern quality of life. Pay Joy'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 Digital D2C Analytics and Insights Manager leads performance analytics for the Digital D2C channel across all Pay Joy markets, including identification of opportunities, trend diagnostics, and customer insights. The role is responsible for designing and executing strategic initiatives, turning analysis into concrete actions, and communicating channel performance to senior audiences within Pay Joy. Working closely with Finance, Risk, and other teams, this person helps manage the channel's impact on company-wide financial goals and ensures operations scale while staying focused on impact and results.

The ideal candidate can move fluidly from a SQL query to a leadership presentation - someone comfortable digging into data, finding key insights, and shaping the narrative around it.

Key responsibilities

* Contribute to the design and execution of strategic initiatives, ensuring clear alignment with business goals and measurable progress over time.

* Combine quantitative and qualitative analysis to identify opportunities for growth, support business case development (including for cross-functional stakeholders), and prioritize initiatives to grow the D2C channel globally.

* Design and maintain dashboards and reports to support deeper analysis, standardize reporting processes, and ensure data accuracy.

* Monitor and report on key KPIs, highlighting performance trends, execution gaps, and actionable insights to guide decisions.

* Work with Finance and Risk teams to create financial projections used to measure and actively manage the performance of the channel and determine budget allocations.

* Conduct strategic research, competitive benchmarking, and uncover customer insights (including surveys, analysis of digital behavioral data, etc.) to inform decision-making and uncover growth opportunities.

* Assist in the preparation of materials for internal business reviews, planning cycles, and leadership updates.

Qualifications

* Past experience in strategy, consulting, growth, or business ops roles.

* Analytical skills with a data-driven approach - is able to quantitatively diagnose root causes and use data to formulate recommendations. Strong Excel/Google sheets skills are a must. SQL skills are strongly preferred. Familiarity with BI tools (e.g., Tableau, Power BI, Hex) is a plus.

* Basic to intermediate financial modeling skills preferred.

* Highly organized - can manage multiple work streams with a variety of stakeholders simultaneously.

* Strong oral and written communication skills (skill in PowerPoint is required)

* Demonstrated ability to work cross-functionally and drive alignment across teams.

* Self-driven and results-driven, willing to work in a dynamic, high-change environment.

Benefits

* Local benefits depending on the country of hire

* 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

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.

Pay Joy 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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.