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Merchant Operations Analyst

PayJoy - Lima, Peru - In-office - posted 2026-10-19

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PayJoy is a Public Benefit Corporation providing credit solutions to underserved customers in emerging markets. The company uses proprietary secured credit technology, machine learning, data science, and AI-driven fraud prevention to serve over 18 million customers as of 2025, achieving profitability and sustainable growth. As a Merchant Operations Analyst, you will serve as the primary liaison between PayJoy and its merchant partners across the country. You will manage strategic interactions, drive analysis-backed transactions, and oversee critical projects that strengthen partnerships and accelerate business growth. Key Responsibilities: - Provide comprehensive support to merchants across all administrative operations aspects - Execute payment reconciliations for partner payouts, manage promotions, and ensure timely partner payments - Guarantee punctual payment of commissions, promotions, incentives, and related compensation - Support business planning processes including discovery, ideation, initiative sizing, business plan creation, governance setup, and execution launch - Collaborate with other PayJoy teams to ensure successful execution of regional projects - Simplify and synthesize complex structures to communicate value effectively - Travel as needed to support PayJoy account growth - Cultivate strong relationships with global offices - Lead improvement projects requiring cross-functional interaction with product development, sales, and other areas Successful candidates will demonstrate assertive communication, effective problem-solving, commitment to continuous improvement, clear articulation of ideas, ability to lead small teams, positive influence through innovative solutions, and strong dedication to personal and professional growth. Requirements: - 3+ years of experience in account support and/or account management in telecommunications, retail, or financial services sectors - Proven experience managing KPIs - Strong analytical and communication skills (verbal and written) - Advanced English proficiency for verbal and written communication - Advanced proficiency in Google Suite or Microsoft Office, with Excel specialization - Bachelor's degree in industrial engineering, business administration, or related field

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