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 PayJoy is seeking a motivated and detail-oriented Portfolio 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. RESPONSIBILITIES 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. QUALIFICATIONS 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. 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 Catered lunches  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