Commercial Analyst

About PayJoy

PayJoy 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 Commercial Analyst is responsible for accelerating growth by extracting and analyzing data, developing reports on the performance measuring objectives and KPIs, using BI and SQL tools. You will monitor and improve sales metrics (e.g, originations, FPD, churn partner, conversion funnel, etc) as well as resource optimization. You are required to forge strong alliances with the global Sales, business operations, and local merchant support team members, ensuring the local Sales team performs according to local expectations and compliance requirements.

This position will report to the Head of Commercial, and you will have a huge opportunity to influence PayJoy Indonesia's expansion and growth plans.

Responsibilities:
• Build and analyze sales performance data to present data-driven reports and recommendations that guide the decision-making and actions of the sales team, using graphics, visualizations, and other effective means to communicate findings clearly and concisely;
• Conduct in-depth market research and competitive analysis to identify trends, opportunities, and threats;
• Filter and analyze data in a consistent and scalable way, working with a large volume of data to build a solid foundation for decision making with calculated risks - even knowing that not all the answers are in the data and/or that not all the data you would like is available;
• Collect information to find improvement opportunities, including monitoring the impact of training;
• Make recommendations on how to improve results based on data analysis and a deep understanding of how our product and processes work;
• Measure the performance of internal sales areas (KPI's, KBI's, KKI's and KSI's);
• Analyze marketing campaign performance, including website traffic, lead generation, customer acquisition costs, and customer engagement;
• Analyze the effectiveness of sales enablement programs, sales promotions, and incentives;
• Manage multiple requests and prioritize report generation; and
• Drive all actions/initiatives that will unlock greater sales opportunities.

Requirements:
• Aligned with PayJoy’s principles and cultures;
• Must have strong commercial acumen with a proven 2-3 years track record of data analysis for sales - it’s a plus if you are from financial institutions;
• Analytical thinking and Problem-solving skills to analyze data, identify inefficiencies, and propose data-driven solutions for improvement, and to work with large and complex datasets;
• Exceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in English and Indonesian;
• Willing to work on-site in Jakarta;
• Advanced knowledge of SQL, Data visualization software (Hex, Power BI, Looker, Tableau), Excel and Google Sheets skills;
• Basic hands-on programming skills, added advantage to have one or more programming languages such as Java, Python, PHP, or similar;
• Bachelor’s degree in Industrial Engineering, Business Administration, Finance, or Data Analytics
• Must be detail-oriented, process-oriented, and comfortable working in a fast-paced environment; and
• Startup experience is a plus.

Benefits:
• 100% Company Funded : Private Health Insurance for employee and immediate family
• 20 days vacation
• Phone finance, Headphone, home office equipment and wellness 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