Financial Planning & Analysis Manager

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 As the lead of finance for Colombia and Panama you will be reporting to the Finance Director of Latam and support the existing finance and FP&A functions of the company. You will provide support to the finance team’s efforts in managing and servicing existing debt investors.  This role requires strong analytical and forecasting skills to ensure healthy financial planning and operations control. Responsibilities • Work closely with the Finance Director of Latam to support ongoing and ad-hoc analysis and modeling in support of PayJoy’s aggressive goals. The role will have straight contact with the FP&A team in the US. • Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation. Provide periodic KPI reporting to headquarters in the USA.. • Work closely with the regional General Manager in Colombia and Panama to model the value of future partnership opportunities. Support company-wide budgeting processes including monthly budget vs. actuals analysis of operating and non-operating cash flows. • Run distribution calculations for principal and interest for multiple debt facilities. Create local dashboards providing real-time insight into KPIs and other financial metrics. • Work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP. • Assist accounting in the audit process • Validate the taxes paid • Support operations in making payments to merchants and reconciling the transactions with accounting Qualifications • Bachelors in Finance, Economy, Accounting, Business Administration or Engineering • 5+ years of experience in finance roles • Experience with Colombian and Panamanian market and regulation • Experience with fintechs and/or banking in Colombia is a plus • CFA, CPA, Master in Finance, and MBA are a plus • Problem solving and analytical skills • Excellent Excel modeling skills, Google Sheets experience is a plus. • Maintain and build strong relationships with senior stakeholders • Detailed oriented • Experience with Netsuite, PBCS/Hyperion is a plus. • Prior experience at leading consultancy, financial institutions or fintech is a plus. • Languages: English professional proficiency is mandatory • Teamwork and strong communication skills 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