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PayJoy

Provides credit access via device-collateral loans

Merchant Operations Representative

Accounts Payable/ReceivableConfirmed live in the last 24 hours
Full-timeLima, PeruNo salary listed

About the Job

Requirements

  • More than 2 years of experience in operations, back office, or middle office in telecommunications, retail, banking, or finance.
  • Experience managing key performance indicators.
  • Strong analytical and communication skills, both verbal and written.
  • Basic or intermediate English proficiency.
  • Advanced Excel proficiency.
  • A completed bachelor's degree or current enrollment in the final year, preferably in Industrial Engineering, Business Administration, Economics, or Finance.
  • Experience handling large volumes of databases.
  • Competency in SQL, Python, Jira, and customer relationship management systems.

Responsibilities

  • Calculate and process payments to partners for financing transactions made in their stores.
  • Coordinate with Finance to execute partner deposits accurately and on time.
  • Collaborate with Accounting on weekly reconciliation of deposits and accounts.
  • Manage store requests related to partner payments, including bank-account updates, payment details, and discounts.
  • Manage collection of the In-store Payment product, including monitoring lines and controlling and preventing fraud.
  • Resolve incidents in collection channels and reconciliations, and identify payments not applied in the system.
  • Calculate monthly commissions payable to operators, guarantors, and other concepts.
  • Support continuous-improvement projects led by FinOps.

About the Company

PayJoy

Provides credit access via device-collateral loans

PayJoy helps people in emerging markets access credit to buy smartphones and other devices by partnering with local banks and retailers. Its system uses mobile locking technology and data science to let customers pay over time, with the device serving as collateral and remaining locked until payments are made; if needed, the lender can immobilize the device. Unlike traditional lenders, PayJoy works in markets with limited banking by combining device collateral with fintech and retailer partnerships to extend credit to the unbanked. Its goal is to expand affordable device access, improve consumer financial inclusion, and support growth in developing economies.

Company size
1,001-5,000
Company stage
Debt Financing
Total funding
$606.9M
Headquarters
San Francisco, CA
Founded
2015

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