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PayJoy is a mission-driven Public Benefit Corporation providing secured credit solutions to underserved customers in emerging markets. The company has served over 18 million customers as of 2025 and operates profitably with cutting-edge machine learning and anti-fraud AI capabilities.
The Capital Markets Senior Manager will be responsible for building and maintaining analytical models to evaluate product, country, and capital structure decisions, including cost of capital analysis, advance rates, and liquidity planning for senior leadership review. This role partners closely with FP&A to understand company forecasts and translate outputs into investor and financing analyses, conducting targeted analysis as needed.
Key responsibilities include supporting PayJoy's funding strategy for the existing Latin American loan book and expansion into Africa and Asia. The role assists with preparedness for new funding sources including corporate debt, securitizations, forward flow arrangements, and local country financing structures, coordinating with rating agencies, trustees, legal counsel, and external deal parties. The manager will monitor and manage performance of existing credit facilities, including covenant compliance, borrowing base reporting, and lender communications.
Additional duties encompass acquiring new funding partners, transaction execution, and relationship management; conducting market research and competitive analysis on funding trends and spreads; preparing marketing materials, presentations, and reports for equity and debt raises; and supporting investor relations activities including investor engagement and data room management. The role contributes to strategic projects such as M&A, country expansion planning, new product launches, and capital raises. The manager will also simplify and improve processes, drive standardization and automation, and build scalable solutions to support future growth. Finally, the role synthesizes financial and business insights for senior stakeholders, identifying key metrics, analyzing results, and communicating risks and opportunities.
**Requirements:**
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 6–8 years of experience in capital markets, investment banking, consulting, corporate finance, FP&A, or related fields
- Strong knowledge of accounting principles, capital markets, and financial planning
- Strong financial modeling skills with ability to independently build and maintain transaction, capital structure, cash flow waterfall, liquidity, and scenario/sensitivity models
- Experience with structured finance products (ABS, whole loan sales, forward flow, warehouse facilities, HY bonds)
- Fluency in Spanish (required)
- Excellent written and verbal communication skills in English and Spanish
- Fluency in Microsoft Office; SQL skills a plus; Python or other scripting/automation experience a plus
- Team player able to collaborate across multiple groups, work on multiple projects simultaneously, and operate across multiple geographies
- Strong analytical aptitude and attention to detail
- Creative, passionate about problem-solving and solution-oriented
**Preferred qualifications:**
- Exposure to rating agency processes and credit structuring
- Experience in fintech, banking, or regulated industries
- Knowledge of consumer lending products and fintech landscape
