Senior Financial 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.

As a Senior Financial Analyst you will be reporting to the Finance Manager and support the FP&A function for Ecuador and other LATAM countries. This role requires strong analytical and forecasting skills to ensure healthy financial planning.


  • Perform quarterly and monthly forecasting of revenue, expenses and cash
  • Perform weekly forecasting and reconciliation of operating cash
  • Perform weekly and monthly cash and operative cash reconciliations
  • Manage expense budgets for LATAM
  • Build financial operating model for new LATAM countries
  • Help with month end close and partner reconciliation
  • Perform financial profitability analysis of products
  • Help Ecuador’s Country manager with cash flow and debt management
  • Help with government compliance needed in LATAM countries
  • Develop business cases and expected profitability for all initiatives done in Ecuador and LATAM
  • Requirements

  • Bachelor’s degree in Finance, Business, Engineering, Economics or related studies
  • 3-4 years financial experience in FP&A 
  • Understand accounting principles and US GAAP
  • Fluent in English and Spanish
  • Advanced knowledge of excel and other data analysis software
  • Benefits

  • Company-funded health insurance for employee and immediate family
  • Company holidays
  • 15 vacation days (20 at 3rd year)
  • unlimited sick leave
  • Annual fitness benefit ($500USD)
  • Annual professional development benefit ($2,000USD)
  • International travel benefit ($2,000USD)
  • Christmas bonus 20 days
  • Vacation bonus 50%
  • $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

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