Junior 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

We are seeking a Junior Financial Operations Analyst responsible for supporting the daily execution of operational processes related to merchant payments. This role is key to ensuring the accuracy, control, and monitoring of financial information, working with sensitive data and structured processes in payjoy.

This is an excellent opportunity for individuals looking to launch their career in finance or operations and develop analytical and data management skills

Responsibilities:
• Prepare and validate merchant payment data.

• Maintain and update payment files, and configure daily batch processing.

• Perform initial cash matching and transaction tagging.

• Update internal trackers and banking information repositories.

• Address payment-related inquiries from administrative teams.

• Verify banking requirements for new administrators/merchants.

• Record applicable merchant discount rates.

• Configure unique batch numbers daily.

• Update local repositories with banking information.

• Execute manual processes with high accuracy and attention to detail.

Requirements:
• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.

• No prior experience required.

• Basic proficiency in Excel or Google Sheets.

• Attention to detail and a strong sense of responsibility.

• Organizational skills and the ability to follow processes.

• Excellent communication skills for handling internal inquiries.

• Maintains high ethical standards and ensures the confidentiality of financial information.

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

Benefits:
• 100% Company Funded : Private Health Insurance for employee and immediate family

• 20 days vacation, 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 Lunch

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