Asset Valuation 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

PayJoy is seeking a motivated and detail-oriented Quantitative Analyst – Asset Valuation to join our Portfolio Management team. In this role, you will support the development and maintenance of predictive models related to asset valuation, working closely with senior team members to ensure accuracy in financial data and reporting. This is a great opportunity for an early-career professional who is passionate about data-driven decision-making and eager to grow in a collaborative, fast-paced environment.

You’ll collaborate with cross-functional teams such as Finance and Risk to contribute to model improvements, help support monthly accounting processes, and assist in analyzing financial data that informs strategic decisions. Your work will directly contribute to PayJoy’s mission to bring finance to the next billion.

• Assist in maintaining and updating the Fair Value (FV) model under the guidance of senior team members.
• Support the monthly accounting process by preparing data inputs, checking consistency, and helping reconcile variances in asset valuation.
• Contribute to model development efforts by preparing data, testing assumptions, and supporting analyses to improve forecasting accuracy.
• Work with Finance and Risk teams to analyze trends in default rates, performance metrics, and capital needs.
• Participate in the execution and documentation of backtesting and stress testing efforts to ensure model robustness.
• Generate reports and visualizations that summarize model outcomes and key financial insights for broader stakeholders.

• Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, Statistics, or a related discipline.
• Experience (internships or academic projects) involving financial modeling, data analysis, or forecasting is preferred.
• SQL and Python are required, and another statistical programming language is a plus.
• A basic understanding of asset valuation concepts, forecasting techniques, or accounting principles is desirable.
• Strong analytical and problem-solving skills, with attention to detail.
• Good communication skills and a willingness to learn and work collaboratively across teams.

• 100% Company-funded Health and Life Insurance for employees and immediate family members
• Indefinite-term contract
• 20 days of vacations
• 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