Merchant Operations Analyst

**About PayJoy**

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

**This role**

The Merchant Operations Analyst is responsible for overseeing payments to partners and operators, coordinating with Treasury and Accounting to ensure payment reconciliation, accuracy, and timeliness, as well as risk, and also propose continuous improvements to financial processes.

**Responsibilities**:
- Analyze and process partner payments related to financing transactions conducted across multiple retailers and telcos.
- Analyze and process payments related to financing transactions conducted across multiple retailers and telcos.
- Perform monthly calculations of commissions payable to operators, guarantors, and other relevant stakeholders, managing commission payment and ensure efficient financial performance.
- Lead coordination efforts with the Treasury to ensure timely and accurate execution of partner payments.
- Collaborate with the Accounting team to perform weekly reconciliations, ensuring accurate account balancing and reporting.
- Manage store-related requests regarding partner payments, including bank account updates, payment details, discounts, and other inquiries.
- Support continuous improvement initiatives driven to promote operational excellence and process optimization.
- Manage the operations of the local channels (Kiosco, In-store payment, etc.), contributing to the strategic expansion of the channel.
- Ensurance operational efficiency and alignment with internal controls, implementing fraud prevention and control measures.

**Requirements**:
- Bachelor's degree in industrial engineering, Finance, administration, or a related field.
- 2+ years of experience in payments and data analysis across sectors such as banking, telecommunications, retail, and financial services.
- Outstanding organization, detailed oriented, problem-solving orientation, analytical and structured communication skills.
- Ability to engage and grow commercial partners, present and train teams and implement effective processes.
- Strong technology skills (MS Office, CRMs, SQL, Google Suite or Office, especially Excel, etc.), handling large volumes of databases, as well as elaborating financial reports.
- Ability to analytical thinking, interpret and use data to guide strategic and operational decisions.

**Benefits**:
- *Local benefits will depend of the country of hiring*
- 100% Company-funded Health and Dental insurance for employees and immediate family members.
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk.
- $2,000 USD annual Professional Development perk.

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