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
The Risk Analyst is responsible for using data warehouses to build analysis, policy recommendations, and dashboards that optimize risk outcomes across portfolios of credit products and countries, in order to improve product profitability and risk KPIs.
Key Responsibilities
- Use SQL and R, or Python to extract and manipulate data to underpin your recommendations (we are very data-driven).
- Make actionable recommendations about how to improve outcomes based on your analysis.
- Work closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes..
- Create dashboards that measure the performance of credit portfolios, new product pilots, and A/B tests.
- Write succinct and thoughtful documentation that explains your analysis and recommendations.
Qualifications
- Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field.
- +2 years of experience in a rigorous analytical/empirical role.
- Strong general analytical and problem-solving skills
- Mastery of SQL, Python (nice to have), and other tools for Data Analysis.
- Understanding of statistical tools and methods, and experience working with large data sets.
- Consumer finance experience is a plus.
Benefits
- 100% Company-funded Health, dental, and vision discount plan for employees and immediate family members.
- Life insurance.
- Phone finance, headphones, home office equipment, and wellness perks.
- 30 days of Christmas bonus
- 20 days paid Vacation
- 50% Vacation premium
- 13% Saving funds
- $2,000 MXN monthly grocery coupons
- $2,000 MXN monthly restaurant coupons
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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