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PayJoy is a purpose-driven credit provider serving underserved customers in emerging markets, helping them achieve financial stability through innovative lending technology. The company serves over 18 million customers with patented secured credit technology, point-of-sale financing, and card offerings, backed by machine learning and AI-powered fraud detection.
As a Merchant Operations Analyst, you will monitor the performance of PayJoy's partner merchant network and identify operational deviations proactively to prevent store closures. You will conduct rehabilitation efforts for closed stores, developing action plans to restore operations to PayJoy standards. Your responsibilities include ensuring quality of PayJoy smartphone sales by tracking KPIs and best practices at points of sale, analyzing operational data to generate insights that drive commercial effectiveness, and strengthening partner relationships through continuous improvement support.
You will collaborate cross-functionally with FraudOps and Risk teams on fraud identification and prevention, work with Product, Engineering, and Data teams on tool and automation evolution, and partner with Finance to protect revenue and ensure operational sustainability. You will propose process improvements to enhance efficiency and scalability, and present analyses and recommendations to support leadership decision-making.
REQUIREMENTS:
- Experience in operations, quality, partner management, or Risk Ops, preferably in fintechs, marketplaces, or retail
- Strong analytical capability with SQL proficiency for data extraction and analysis
- Experience with KPI-driven management, dashboard construction, and process improvement
- Ability to transform data into clear insights and influence internal and external stakeholders
- Detail-oriented, ethical profile with autonomy for decision-making
DIFFERENTIALS:
- Python knowledge for data analysis or automation
- Experience with AI tools applied to data analysis, process automation, or insight generation
