Financial Operations 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 Financial Operations Analyst is responsible for the transaction reporting, invoicing, and payment processes, integrating these functions into financial systems to enhance efficiency and compliance, by identifying and implementing process automation to reduce manual workloads and discrepancies to do scalable, efficient, and compliant financial operations at PayJoy.

Key Responsabilities:
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Identify and recommend areas for process automation and efficiency improvements, collaborating with the product team to configure and implement automated email systems, reducing manual tasks.

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Ensure merchant commissions are accurately edited in Dashboard and properly recorded in the database, working with local and global teams to ensure commission structures are correctly set up and maintained by eliminating the need for manual templates.

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Regularly review reconciliation reports and address any discrepancies; developing and implementing a robust reconciliation process between PayJoy and the admins to ensure accurate financial records.

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Provide detailed transaction reports to relevant stakeholders as needed, utilizing the mode report for a full transaction breakdown and resolve any issues related to admin payments.

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Oversee the generation and sharing of invoices to customers, aiming to integrate this process with the main financial systems, ensuring invoices are accurate, timely, and comply with local regulations and company policies.

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Design and implement a localized payment process flow, focusing on digital channels (e-wallets and bank transfers) which constitute 75% of payments, monitoring and optimizing payment processing to ensure efficiency and accuracy.

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Ensure that admins are correctly set up and that their payment processes are efficient and error-free, providing training and support to admins to ensure they adhere to company processes and standards.

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Provide detailed transaction reports to relevant stakeholders as needed, ensuring all financial data, including commissions, are accurately recorded up-to-date in the PayJoy database.

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Communicate effectively with cross-functional teams to ensure alignment and support for financial initiatives, as well its optimization.

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Ensure all financial operations comply with local tax laws and fiscal regulations, assisting in preparing and submitting tax filings and reports as required by local authorities. Monitor changes in tax legislation and ensure the company remains compliant.

Qualifications:
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Bachelor’s degree in Finance, Accounting, Business Administration, or related field.

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Exceptional leadership skills with a proven ability to lead and influence global teams.

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Ability to analyze complex financial data, derive actionable insights and strategic problem-solving abilities.

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Meticulous in ensuring accuracy in financial records and compliance with regulations.

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Maintains high ethical standards and ensures confidentiality of financial information.

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Proficiency in financial systems and databases, particularly MySQL is a plus.

Benefits:
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.Life insurance.Phone finance, Headphone, 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 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