Business Analytics Specialist

About PayJoy   PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.  Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.  Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.   This role Key Responsabilities Data Architecture • Own and evolve the Bronze / Silver / Gold data architecture for the Global Metrics ecosystem. • Define scalable architectural patterns for integrating new Customer Support platforms and data sources. • Design dimensional, relational, and analytical data models. • Define standards for data ingestion, transformation, storage, and consumption. • Design integration patterns across APIs, cloud storage, SaaS platforms, and enterprise data platforms. • Establish architecture principles for data quality, traceability, lineage, scalability, and maintainability. • Partner with Data Engineering teams to translate architectural designs into production-ready implementations. • Review technical solutions and ensure alignment with Global Metrics architectural standards. Data Pipelines & Large-Scale Processing • Design scalable data pipelines using Databricks and dbt. • Work with large-scale datasets and high-volume data ingestion workloads. • Define transformation patterns and data-processing strategies for distributed environments. • Optimize data models and processing pipelines for performance, scalability, reliability, and cost. • Support ingestion strategies using platforms such as Fivetran, APIs, file-based integrations, and cloud object storage. • Define reusable patterns for batch and incremental data processing. • Ensure pipelines are designed with appropriate monitoring, recoverability, and data-quality controls. Analytics & Semantic Architecture • Own the design and evolution of the analytics semantic layer. • Define scalable frameworks for KPIs, business metrics, dimensions, and analytical entities. • Translate business concepts into standardized analytical definitions and data models. • Design and govern the Gold analytical layer used by dashboards, analytics, AI, and reporting. • Define dimensional and OLAP models optimized for analytical consumption. • Establish reusable semantic models to reduce duplicated business logic across dashboards and datasets. • Partner with Business Analysts and stakeholders to ensure metrics accurately represent business processes and operational reality. Metrics Governance & Business Rules • Define and maintain standards for KPI definitions, calculations, dimensions, and business rules. • Maintain and evolve the business glossary and data dictionary. • Establish governance processes to prevent conflicting or duplicated metric definitions. • Define global naming conventions, taxonomies, tags, classifications, and analytical standards across Customer Support platforms. • Ensure business definitions are consistently translated into technical implementations. • Support the definition of global analytical entities such as customers, contacts, interactions, tickets, agents, queues, channels, and support journeys. System & Data Integration Architecture • Define how new systems and vendors are integrated into the Global Metrics data ecosystem. • Evaluate integration alternatives such as APIs, event streams, file exports, object storage, managed ingestion platforms, and direct database connections. • Define source-of-truth strategies and relationships across multiple operational systems. • Design data models that enable end-to-end traceability across Customer Support interactions and platforms. • Participate in architecture discussions with internal Data, Engineering, Security, and Platform teams. • Work with vendors and technical stakeholders to assess data availability, integration capabilities, and architectural constraints. • AI & Advanced Analytics Architecture — Preferred Qualifications Education • Bachelor’s degree in Computer Science, Information Systems, Data Engineering, Software Engineering, Statistics, or a related technical field. • Equivalent professional experience may be considered in place of formal education. Experience • 3+ years of experience in Data Engineering, Analytics Engineering, Data Architecture, Business Intelligence Architecture, or similar roles. • Proven experience designing and implementing scalable analytical data solutions. • Strong hands-on experience with: • Databricks • dbt • Advanced SQL • Dimensional data modeling • Data warehouse / lakehouse architectures • Medallion Architecture (Bronze / Silver / Gold) • Semantic layers and analytical data models • Data integration patterns • Experience working with large-scale datasets and high-volume data ingestion is required. • Experience designing and optimizing scalable data pipelines. • Experience with Fivetran or equivalent managed ingestion platforms is preferred. • Experience with Spark and distributed data processing is strongly preferred. • Experience designing analytics solutions consumed by BI platforms such as Hex, Tableau, Power BI, Looker, Mode, or equivalent tools. Familiarity with: • LLM-based analytics • Context engineering • NLP / text analytics • AI data pipelines • Data-Centric AI principles • AI / Advanced Data Experience — Nice to Have Benefits • 100% Company-funded Health for employees and immediate family members • Life Insurance • Indefinite-term contract • 20 days of vacations, unlimited sick leave • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk • Phone finance, headphone benefit, home office equipment allowance and wellness perks • Catered lunches PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.   PayJoy Principles   Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening