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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-powered fraud prevention to serve over 18 million customers as of 2025, achieving sustainable profitability.
As a Merchant Operations Representative, you will serve as the primary point of contact between PayJoy and merchant partners across Peru. You will manage strategic interactions and diverse administrative transactions essential to cultivating successful relationships and driving business growth.
Key Responsibilities:
- Calculate and process payments to merchant partners for financing executed across their stores
- Coordinate with finance teams to execute partner payments on time and accurately
- Collaborate with accounting to perform weekly reconciliation of payments, ensuring proper account reconciliation
- Manage merchant requests related to partner payments, including bank account updates, payment details, discounts, and other modifications
- Manage In-store Payment product collections, including line monitoring and fraud control/prevention
- Resolve incidents in collection channels, reconciliations, and identify unapplied payments in the system
- Calculate monthly commissions for operators, guarantors, and other concepts
- Support continuous improvement projects led by FinOps
You will excel through assertive communication, effective problem-solving, and a commitment to continuous improvement. The role requires clear expression of ideas, positive influence through innovative solutions, and dedication to personal and professional growth.
Requirements:
- 2+ years of experience in operations, back office, or middle office in telecommunications, retail, banking, or financial sectors
- Experience managing KPIs
- Strong analytical and communication skills (verbal and written)
- Basic to intermediate English proficiency
- Advanced Excel skills
- Bachelor's degree completed or in final year, preferably in Industrial Engineering, Administration, Economics, or Finance
- Experience handling large database volumes
- Competency in SQL, Python, Jira, and CRM
