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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 and advanced machine learning to deliver point-of-sale financing and card products, helping customers build financial stability and access opportunities as micro-entrepreneurs. With over 18 million customers served as of 2025 and a focus on sustainable profitability, PayJoy combines social impact with fintech innovation.
As a Data Analyst, you will play a critical role in supporting PayJoy's data-driven decision-making across the organization. You will work with large datasets to uncover insights that inform product development, risk management, and business strategy. Your responsibilities will include analyzing customer behavior patterns, evaluating the performance of credit products, and supporting fraud detection and prevention efforts through data exploration and reporting.
You will collaborate with cross-functional teams including product, engineering, finance, and risk management to translate business questions into analytical solutions. This includes building dashboards, creating ad-hoc analyses, and developing metrics that track key performance indicators. You will also support the data science and machine learning teams by preparing and validating datasets for model development.
The ideal candidate has strong SQL and data visualization skills, experience with business intelligence tools, and a solid understanding of financial services or credit analytics. You should be comfortable working in a fast-paced environment, communicating findings to both technical and non-technical stakeholders, and taking ownership of analytical projects from conception to delivery. Experience with Python or R is a plus, as is familiarity with emerging markets or fintech.
