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PayJoy

Provides credit access via device-collateral loans

Merchant Operations Analyst

Business OperationsConfirmed live in the last 24 hours
Full-timeSão Paulo, State of São Paulo, BrazilNo salary listedHybrid

About the Job

Requirements

  • Experience in operations, quality, partner management, or Risk Operations, preferably in fintech, marketplaces, or retail.
  • Strong analytical ability, including proficiency in SQL for data extraction and analysis.
  • Experience managing by key performance indicators, building dashboards, and improving processes.
  • Ability to turn data into clear insights and influence internal and external stakeholders.
  • Detail-oriented and ethical, with autonomy to make decisions.

Responsibilities

  • Monitor the performance of the partner-store network and proactively identify deviations to prevent closures.
  • Lead the rehabilitation of closed stores by defining action plans to return them to PayJoy operating standards.
  • Ensure the quality of PayJoy smartphone sales by monitoring indicators and best practices at points of sale.
  • Analyze operational data and generate insights to guide more effective commercial approaches.
  • Strengthen relationships with partners and support ongoing operational improvement.
  • Work with FraudOps and Risk teams to identify and prevent fraud.
  • Collaborate with Product, Engineering, and Data teams to improve tools, rules, and automation.
  • Work with the Finance team to protect revenue and ensure operational sustainability.
  • Propose process improvements to make operations more efficient and scalable.
  • Present analyses and recommendations to support leadership decision-making.

Desired Qualifications

  • Knowledge of Python for data analysis or automation.
  • Experience with artificial intelligence tools applied to data analysis, process automation, or insight generation.

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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