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 Business 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 control by managing channels such as BCP, Yape, ITB, and Kasnet. Also, proposing continuous improvements to financial processes.
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Key responsibilities- Analyze and process partner payments related to financing transactions conducted across multiple retailers and telcos store locations.
- 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.
- Oversee the collection process for the In-store Payment product, including line monitoring and implementing fraud prevention and control measures.
- Contribute to the strategic expansion of In-store Payments as a key repayment channel.
- Manage additional repayment channels such as BCP, Yape, ITB, Kasnet, among others, ensuring operational efficiency and alignment with internal controls.
- Resolve issues within collection channels, including reconciliation discrepancies and identification of unapplied payments.
- Perform monthly calculations of commissions payable to operators, guarantors, and other relevant stakeholders.
- Manage commission payment and ensure efficient financial performance
- Support continuous improvement initiatives driven by the FinOps team, promoting operational excellence and process optimization.
- Manage the operations of our new kiosks channel, including conciliations, store openings, and improvements in current processes.
Qualifications- Bachelor's degree in industrial engineering, administration, finance, or other related fields
- 2+ years of experience in payments and data analysis across sectors such as banking, telecommunications, retail, and financial services
- Outstanding organization, detail-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 analytically interpret and use data to guide strategic and operational decisions.
Benefits- 100% Company-funded health insurance for employees and immediate family members
- Life insurance
- Dental plan
- Phone finance, headphones, home office equipment,t and fitness perks.
- Individual retirement plan 3%
- 20 days of vacation
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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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