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 As part of PayJoy’s Strategy & Corporate Development team, you’ll work closely with senior leadership to support high-impact strategic initiatives for PayJoy’s global business, such as new market entries, product launches, and M&A investments. You’ll dive deep into financial data, market trends, and business performance to deliver insights that guide critical business decisions. This role is for someone with strong analytical capabilities, extensive financial modeling experience, and comfort building executive-level presentations. It offers the opportunity to contribute meaningfully to PayJoy’s growth strategy in a collaborative, fast-paced environment. RESPONSABILITIES: Build complex financial models in Excel to support global strategic projects and investments, including valuation analyses, P&L forecasting, and scenario planning. Evaluate M&A and investment opportunities, including analyzing target financials, preparing deal models, and coordinating cross-functional due diligence efforts. Gather and analyze data from multiple sources – including internal performance data, market research, competitor benchmarks, expert interviews, customer surveys, etc. – and synthesize into clear, actionable insights. Design presentation materials for internal strategy discussions, Board updates, investor presentations, and executive decision-making. Partner cross-functionally with teams across finance, legal, product, operations, and sales, and across multiple geographies. QUALIFICATIONS: Bachelor’s degree in Finance, Economics, Business, Engineering, or a related field. 1-3 years of experience in management consulting, investment banking, corporate strategy, or a related analytical role. Prior Fintech, banking, or consumer-credit experience is a strong plus, though not required. Excel master: Expert-level proficiency in Excel, including the ability to construct sophisticated financial models for various purposes such as M&A valuation, financial forecasting, and data analytics. Highly analytical: Excellent analytical and problem-solving skills with high attention to detail; capable of distilling complex analyses into clear and actionable insights. High comfort level using Claude and other AI tools to support analyses. Financial-services exposure: Familiarity with how lending businesses and financial institutions operate, including payment and collection curves, cohort analysis, and core unit-economics and credit KPIs (LTV/NPV, loss rates, portfolio yield, etc.) Ownership mentality: Highly organized, self-motivated, and comfortable managing multiple priorities at once in a fast-paced environment. Effective communicator & collaborator: Experience working in cross-functional teams and comfortable engaging with senior audiences; able to craft compelling narratives (backed by robust data and analysis) to drive recommendations. Bi-lingual: Written and spoken fluency in both English and Spanish is required (fluency in Portuguese is a plus). BENEFITS: 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 wellness perks. 30 days of Christmas bonus. 20 days paid Vacation. 50% Vacation premium. 13% Saving funds. $2,000 MXN monthly grocery 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