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PayJoy is a mission-driven Public Benefit Corporation providing secured credit solutions to underserved customers in emerging markets. The company leverages patented technology, machine learning, and anti-fraud AI to deliver point-of-sale financing and card offerings, serving over 18 million customers while maintaining profitability.
As a Business Analytics Specialist, you will play a key role in translating data into actionable business insights that drive strategic decision-making across the organization. You will work with cross-functional teams including product, finance, operations, and risk management to analyze customer behavior, credit performance, and business metrics.
Key responsibilities include:
- Developing and maintaining dashboards and reports that track key performance indicators across lending, customer acquisition, and retention
- Conducting exploratory data analysis to identify trends, patterns, and anomalies in customer credit behavior and portfolio performance
- Supporting pricing strategy, credit risk assessment, and fraud detection initiatives through statistical analysis
- Collaborating with data science and engineering teams to ensure data quality and accessibility
- Presenting findings and recommendations to stakeholders at various levels of the organization
- Building ad-hoc analyses to support business questions and strategic initiatives
You will have access to rich datasets spanning customer demographics, transaction history, credit performance, and behavioral signals. The role offers exposure to fintech operations in an emerging market context, with opportunities to impact financial inclusion at scale.
