Junior Risk Analyst

With over a million customers trusting PayJoy, it’s increasingly important that our apps and services operate with integrity and high availability while keeping our customers' data confidential.

PayJoy is hiring a Risk Analyst in Mexico who will help scale PayJoy’s point of sale phone finance and cash lending portfolio in Mexico, LATAM, and other global markets.  The right candidate will be ambitious, self-driven, and data driven, as well as 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 a Risk Analyst, you will be helping our leadership team with providing the analysis necessary to identify, evaluate, mitigate, and monitor the company's operational, strategic and financial risks. This involves doing the analytical work necessary to ensure we provide the very best loan product for our users. 
You will work closely with Technology, Operations and Commercial Teams in providing analysis that will solve the highest impact problems, even if that problem is best solved outside of the risk domain. 


  • Use SQL and R or Python to extract and manipulate data that underpins your recommendations (we are very data-driven) 
  • Write succinct and thoughtful documentation that explains your recommendations
  • Work closely with the Data Science Team to create AI models that would improve pricing and risk management processes for the team 
  • Learn more about how our products are helping solve the global financial access problem and help us reach more users globally
  • Work closely with the BI team to create dashboards that will help measure performance of portfolio and pilots
  • Qualifications:

  • Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar field
  • Strong overall analytical and problem-solving skills
  • Mastery of 1 or more data science tools including SQL, Python or R
  • At least two years of data analysis and modeling experience
  • Understanding of statistical tools and methods, and experience working with large data sets
  • Passion for social impact business models (creating a positive impact through your job!)
  • Benefits:

  • Company-funded health insurance for employee and immediate family
  • Company holidays
  • Christmas bonus 20 days
  • 15 vacation days (20 at 3rd year)
  • Vacation bonus 50%
  • Unlimited sick leave
  • Annual fitness benefit ($500USD)
  • Annual professional development benefit ($2,000USD)
  • International travel benefit ($2,000USD)
  • $2,000 MXN monthly pantry vouchers
  • Phone finance benefit
  • About PayJoy
    PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile locking technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.

    Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to millions in the near future.

    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 * High-Bandwidth Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity

    Apply for Junior Risk Analyst

    Resume is required

    Full name is required

    Phone number is required

    Demographic Survey for PayJoy

    We invite you to complete this optional survey to help us evaluate our diversity and inclusion efforts. Submission of the information on this form is strictly voluntary and refusal to provide it will not subject you to any adverse treatment or affect your job application. Information obtained will be kept separate from your name or job application. This information will be kept secure and confidential and will be used solely to evaluate our diversity and inclusion efforts.