About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
This role will work directly with the FP&A team and cross-functional partners to support forecasts, reporting, investment planning,headcount reconciliation, and financial systems. The ideal candidate is hands-on, resourceful, and thrives in a fast-paced, high-growth environment.
Responsibilities
- Forecasting & Budgeting:
- Support quarterly and annual planning processes across departments
- Consolidate department inputs and align them to company-level financial targets
- Assist with modeling and scenario planning for strategic decisions
Headcount Reconciliation Support:- Assist with reconciling headcount data across systems such as PBCS, Rippling, NetSuite, and local files
- Help track variances between planned and actual headcount and compensation costs
- Provide backup and documentation during planning cycles and audits
Reporting & Analysis:- Contribute to monthly reporting packages (MFR), KPIs, and variance analyses
- Provide ad hoc analysis to support decision-making across teams
Systems & Process Optimization:- Support data accuracy across financial systems (e.g., PBCS, NetSuite, Rippling, Kyriba)
- Assist with mapping, uploads, and validation during planning and reporting cycles
- Help to troubleshoot system-related data issues in partnership with internal stakeholders
Cross-Functional Collaboration:- Work with department heads and finance partners to gather inputs and provide updates
- Communicate planning assumptions and financial impacts clearly and timely
Investment Tracking:- Support tracking and analysis of non-FTE investment proposals
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or related field
- 3–5+ years of experience in FP&A, corporate finance, or related analytical roles
- Strong Excel / Google Sheets skills
- Familiarity with financial systems such as Oracle PBCS, NetSuite, and Rippling
- Strong attention to detail and comfort working with large, complex data sets
- Good communication and collaboration skills across teams and functions
Preferred Qualifications:- Experience working in a high-growth or international company
- Familiarity with payroll reports and headcount planning processes
- SQL or other data query tools a plus
Benefits
- 100% Company-funded Health and Life Insurance for employees and immediate family members
- Indefinite-term contract
- 20 days of vacations
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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