Senior Analytics Manager – Credit Products (Phone Finance and Cards)

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

As a Senior Analytics Manager for PayJoy’s Phone Finance and Consumer Product, you will use data to accelerate PayJoy’s growth by optimizing operations and quickly scaling Credit Line and Credit Card products. You will be directly responsible for owning the measurement of key metrics that enable the product to scale.

You will be partnering closely with Go to Market and Product teams and collaborating cross-regionally to drive business insights. The right candidate will exhibit ownership of the process from end to end; you are not only measuring what they are told by the business but working collaboratively to develop testable hypotheses that drive rapid scale.  PayJoy is committed to the goal of building a dynamic, diverse team, and strongly encourages applications from women and minorities.

• Develop, measure and report operational the bottom-line impact to KPIs of PayJoy Phone Finance, Credit Line, and Credit Card growth initiatives
• Own the PayJoy Phone Finance, Credit Line, and Credit Card funnel KPIs 
• Continually improve ongoing data pipelines to ensure complete and accurate reporting of data/metrics and simplify self-service support for business stakeholders
• Collaborate with Product/Eng, Marketing and Operations to drive the development of pipelines that provide single-source-of-truth foundational accuracy and ensure the impact of every growth initiative is measurable
• Use your unique data-driven perspective to propose, drive and measure the business impact of features, campaigns and operational improvements

• 6+ years of relevant experience
• Advanced SQL (someone has called you a SQL ninja at some point and you liked that)
• Experience collaborating cross functionally; ability to effectively communicate with both technical and non-technical teams
• Excited to work in a fast-paced, entrepreneurial, global startup environment
• Willingness to be deep in the details but able to communicate the big picture

• Fluency in Python or R a strong plus
• Experience with direct to consumer applications or fintech a strong plus
• Familiarity with a modern data stack (We use Snowflake, Fivetran, DBT, and Hex) a plus
• Direct people management experience a plus

• 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
• Life insurance.
• Phone finance, Headphone, home office equipment and wellnes perks.
• 30 days of Christmas bonus
• 20 days paid Vacation
• 50% Vacation premium 
• 13% Saving funds 
• $2,000 MXN monthly grocery coupons
• $2,000 MXN monthly restaurant coupons
• $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