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PayJoy is a mission-driven 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 with cutting-edge machine learning and anti-fraud AI capabilities.
This Senior Tax Accountant role is based in Taguig City and reports to the Global Head of Tax. You will own Philippines tax compliance and regional tax calendar management, serving as the primary advisor overseeing external tax advisors (KPMG and others). Key responsibilities include:
**Tax Compliance & Provision:** Review and challenge quarterly and annual tax provision work products prepared by external advisors under both local GAAP and US GAAP. Evaluate key assumptions, current and deferred tax calculations, temporary and permanent differences, deferred tax asset recoverability, and uncertain tax positions. Coordinate timely filings, payments, and reconciliations with Finance. Scope includes corporate income tax, VAT/GST, withholding taxes, Philippine EWT, FWT, DST, and applicable Indonesia and India obligations as operations develop.
**Transfer Pricing & Intercompany Transactions:** Review transfer pricing calculations, quarterly true-ups, and documentation. Coordinate data collection and implementation with Global Tax and local Finance teams. Assess intercompany charges, financing arrangements, withholding tax treatment, local deductibility, and treaty eligibility.
**Regional Expansion & Product Tax Support:** Lead establishment of tax infrastructure in India and Indonesia, including registrations, compliance processes, advisor arrangements, and reporting controls. Support future Vietnam expansion. Assess tax implications of financing products, interest and fees, credit losses, customer invoicing, funding flows, and cross-border payments. Partner with Finance, Legal, Product, and Operations teams.
**Tax Audits & Controversies:** Lead regional coordination of tax authority audits, assessments, and inquiries with the BIR, Indonesian Directorate General of Taxes, and Indian tax authorities. Develop response strategies with advisors and communicate recommendations to leadership.
**Tax Controls & Operational Compliance:** Build scalable tax processes for customer financing in emerging markets. Partner with Finance and systems teams on compliant invoicing, transaction data, reconciliations, and record retention. Identify control gaps and drive corrective actions.
**Tax Planning & Leadership:** Identify and quantify opportunities to improve cash tax outcomes and reduce tax risk. Monitor tax developments, guide advisor scope and fees, and provide technical coaching to regional Finance colleagues.
**Requirements:**
- Bachelor's degree in Accounting, Finance, Taxation, or related field; Philippine CPA or equivalent professional qualification preferred
- 8–10 years of progressive tax experience in multinational business and/or professional services firm, including at least 3 years independently leading complex tax workstreams, reviewing deliverables, and advising business stakeholders
- Experience supporting growing businesses, new products, or market launches strongly preferred; Big 4 experience preferred
- Demonstrated ability to critically review corporate income tax, VAT/GST, and withholding tax positions, and tax provision work products prepared by external advisors
- Strong working knowledge of US GAAP and local GAAP tax accounting; ability to evaluate assumptions, identify issues, and document review conclusions
- Practical experience reviewing transfer pricing calculations and documentation; ability to assess intercompany financing, withholding taxes, treaty claims, and deductibility
- Proven ability to review and challenge external advisor work, lead audit responses, and deliver complex projects with limited day-to-day supervision
- Experience coaching colleagues or leading project teams required; prior direct people management experience preferred
- Substantial hands-on Philippines tax experience required
- Asia regional tax experience in emerging markets strongly preferred, particularly Indonesia, India, and Vietnam
- Experience in fintech, consumer lending, financial services, or businesses serving underbanked customers is an advantage
- Strong written and verbal English; ability to explain tax conclusions, financial impacts, and recommended actions to US leadership and regional teams
- Ability to work through incomplete information, prioritize competing growth and compliance demands, challenge advisor conclusions constructively, and escalate material risks
