Risk Analyst

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 PayJoy is hiring a Risk Analyst  in Mexico who will help us scale PayJoy’s point of sale phone finance lending portfolio in LATAM, and other global markets.  The right candidate will be self-driven, ambitious, and data driven, looking to have a big impact at a fast growing startup.  The right candidate will also be deeply motivated by PayJoy’s mission to empower the next billion smartphone users.   As Risk Analyst you will use PayJoy’s data warehouse to build analysis, policy recommendations, and dashboards that optimize risk outcomes across PayJoy’s portfolio of credit products and countries.  In addition to building datasets and dashboards you will be focused on defining actionable next steps that improve product profitability and risk KPIs. You will work directly with and provide data leadership for a broad set of teams including: Executives, Product, Engineering and Go to Market. Responsabilities: • Use SQL and R or Python to extract and manipulate data underpins your recommendations (we are very data-driven). • Make actionable recommendations about how to improve outcomes based on your analysis. • Work closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes.. • Create dashboards that measure performance of credit portfolios, new product pilots and A/B tests. • Write succinct and thoughtful documentation that explains your analysis and recommendations. Qualifications: • Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar • +2 years of experience in rigorous analytical/empirical role • Strong general analytical and problem-solving skills • Mastery of SQL • Proficiency in Python or R • Understanding of statistical tools and methods, and experience working with large data sets. • Consumer finance experience is a plus. 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