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PayJoy is a mission-driven fintech company operating as a 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 while maintaining sustainable growth.
As a Merchant Operations Analyst, you will play a key role in supporting PayJoy's point-of-sale financing and card offerings. This role focuses on the operational side of merchant relationships and transactions, working to ensure smooth execution of merchant programs and customer experiences.
Key responsibilities include:
- Analyzing merchant performance data and transaction patterns
- Supporting merchant onboarding and relationship management processes
- Identifying operational inefficiencies and recommending improvements
- Collaborating with cross-functional teams including product, finance, and customer success
- Monitoring merchant compliance and risk metrics
- Generating reports and insights to inform business decisions
- Troubleshooting operational issues and escalating as needed
You will work with PayJoy's advanced machine learning, data science, and anti-fraud AI systems to support merchant operations and risk management. The role requires strong analytical skills, attention to detail, and the ability to work in a fast-paced fintech environment serving emerging markets.
