About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Financial Analyst will support the existing finance and FP&A; functions of the company, contributing to budgeting, forecasting, and financial reporting processes. You will collaborate closely with the finance and accounting teams to ensure accurate financial analysis and reporting in support of PayJoy's aggressive goals.
This role requires strong analytical and forecasting skills to ensure healthy financial planning and operations control.
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Responsibilities
Assist in budgeting, forecasting, variance analysis processes and modeling in support of PayJoy’s aggressive goals.
Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation.
Prepare monthly, quarterly, and annual financial reports for management, including evaluating financial performance by comparing vigente results with budgets and forecasts, and other financial metrics.
Support to model the value of future partnership opportunities.
Collaboration with departments to gather data for financial analysis, included work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP, and Support operations in making payments to merchants and reconcili
📌 Financial Analyst (Bogotá)
🏢 PayJoy
📍 Bogotá