Senior Analytics Engineer

About PayJoy

PayJoy, a Public Benefit Corporation, 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 Senior Analytics Engineer is responsible for accelerating PayJoy's growth by closing the "last mile" gap between our data foundation and the product decisions it should power. You will own metric frameworks, dashboards, and investigative analysis across PayJoy's Onboarding product areas — from application and contract flows through risk-based offers, D2C onboarding, and enterprise partner enablement. You will be partnering closely with Go to Market and Product teams and collaborating cross-regionally to drive business insights. The right candidate will exhibit ownership of the process from end to end; you are not only measuring what they are told by the business but working collaboratively to develop testable hypotheses that drive rapid scale.

Key responsibilities:
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Partner with senior Product, Engineering, and cross-functional leaders to define analytical approaches to ambiguous problems and provide clear, actionable recommendations.

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Ensure high-quality instrumentation and tracking for all new product changes and releases

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Build foundational data products and self-serve analytics tools that empower teams to extract and analyze data independently, establishing data integrity standards to ensure timely and accurate delivery

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Own deep-dive analyses for complex product issues, incidents, or unexpected performance shifts.

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Elevate the analytics maturity of the product organization by promoting standards, tooling improvements, and knowledge sharing.

Qualifications :
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Bachelor’s in Computer Science, Engineering, Data Science, or a related field.

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6+ years of experience

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Strong experience in customer journey analysis, dashboarding, feature measurement, and data storytelling.

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Deep expertise with experimentation frameworks and statistical analysis.

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Excellent SQL skills and comfort with modern analytics tools and data stacks.

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Track record of influencing product strategy and driving ship-level decisions through insights.

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Strong communicator — able to explain complex analytical concepts to technical and non-technical audiences.

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Comfortable working in ambiguous, high-impact environments with broad scope and autonomy.

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